Claiming after collision

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

Ok so basically I'm on my way to work earlier this evening, sat stationary at a roundabout entrance waiting for a safe time to set off

I hear a bang and I'm being pushed across the floor by the front of a taxi, turns out he tried to stop but just slid straight in to me

Bike isn't wrote off but it's definitely not road worthy, back end is smashed up, foot peg(?) is bent like a banana, front brake lever is wrote off, exhaust is scratch up a bit and the steering is about 3 inches off balance

Anyway when I insured my bike, like an idiot, regardless of my insurance being 100% free, I stated my annual mileage at up to 2000, I'm currently on 3200

When I claim will this matter? Should I wind the clocks back? Best course of action?
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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

ms51ves3 · Super Spammer Joined: 07 Jun 2007 Karma :

As people have said in other insurance threads, they'll struggle to prove you did all 3,200 miles. Remember when your dad did Land's End to John 'O' Groats on it? Wink

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

Haha

Oh yeah shit, I forgot all about that Thinking

Thanks

But then again, isn't there some way they can catch me out on it and prove me wrong on some kind of technicality? For example I'm sure the bike is insured to be ridden by the proposer(?) only or whatever, if it's like this is it still fully legit for someone else who is technically legit to ride the bike?
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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

It's nothing to do with your insurance company so it doesn't really matter what you told them.

If it was a taxi driver I'm guessing he offered to settle it privately?

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

Nope, we exchanged details and he said he would get in touch with his insurance as soon as he got home Confused

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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Andy C · Tree Seeking Missile Joined: 26 Apr 2005 Karma :

Have you heard from his insurance yet?

A friend had someone do a u-turn on her and she came off her ped and they guy admitted fault then 2 days later she got a letter that it was her fault etc etc.

Hope yours works out ok for you Thumbs Up

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99 RS125 --> 02 SV650s --> 03 Speed Four --> 92 RXS100 --> 93 CB400sf --> 01 CB600f Hornet

ms51ves3 · Super Spammer Joined: 07 Jun 2007 Karma :

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

Nope, it was 5:15ish when we were swapping details so I'm guessing he'll ring them tomorrow

I doubt he can claim that it was my fault, I was stationary, but judging by my recent streak of luck I'm looking at a ban for dangerous driving Thinking

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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

Did the police attend?

Was it a black cab or a minicab? Did you see their taxi drivers license that they've got in the car?

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

It was just a normal taxi, a guys own car with a taxi plate on the front/back and a sticker on the side Thinking

It went like this

He knocks me off, when I/the car/my bike came to a stop he got out and started asking if I was alright, I picked my bike up and he held it while I picked up the bits of my reg/L plate/plastics from the back of my bike, he asked which way I was going so I told him and said I'd pull over in the nearby petrol station, we did and when I got off my bike I rang my Dad and asked him what exactly to do, he basically said get his name/address/car reg/taxi number/taxi company/insurance details/the rest of it

I'd bet my life that he was all legit, about 50 years old with his wife in the passenger seat, both were extremely apologetic and helpful, offered me a lift and all that

It was over in about 5 minutes

Looking back I should've got his reg before we went to the petrol station, meh Neutral

Police, no
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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Paivi · World Chat Champion Joined: 30 Sep 2005 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

I didn't think I was injured at the time, but since the accident my arm has become excruciatingly painful to move, it's fine when I don't move it but when I do, even the slightest, it feels like the bone is rubbing against sandpaper :\

I'll be at the walk-in centre for it tomorrow
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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

By all means you can call the police if you feel it's necessary for some reason, but if no one has been injured then there is no legal requirement for them to be contacted.

If one of the drivers doesn't stop after an accident (for whatever reason) then both drivers are expected to report it to the police as soon as practically possible.

You wouldn't get given a crime reference number for a simple RTA where no one has been injured and all drivers stopped at the scene, would you? As no crime has been committed what is the crime number going to be in reference to? Confused

Wilson you should inform your insurance company in the morning, and if you're going to claim from the taxi drivers insurance then you'll need to instruct a firm of solicitors to act for you.

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

I'll do that, any idea what time insurance call centre's open? Thinking

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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

They will be open from 3:30am on weekdays.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Wilson123 · Nearly there... Joined: 19 Jun 2009 Karma :

I'm thinking more 9-10a.m

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Doug97 wrote: Fuck you, what they did was awesome. You just wish you had the balls to be like them, instead of being constantly afraid that there's a rule somewhere out there you might be breaking.

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

P. · Red Rocket Joined: 14 Feb 2008 Karma :

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

I'd have thought when he tells his insurance and contacts some solicitors tomorrow they'll be able to tell him what, if anything, he needs to do involving the police. Smile