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Fairing damaged (badly)

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JaMeZ
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Joined: 07 Jun 2004
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PostPosted: 19:06 - 10 Feb 2011    Post subject: Fairing damaged (badly) Reply with quote
Hello

I am the proud owner of a Honda CBR600 F3 (95). Rare light blue metallic colours, very well looked after.

Problem is a couple of months back my neighbour backed into it, knocking it to the ground, there for crushing the fairing on the left hand side. As a result everything poking out (mirror, foot rest, fairing) is damaged.

I have two questions, firstly as I dont have enough money to replace the entire fairing (rare colours) can I just repair the fairing myself (araldite or something) and still pass the inspection (for cat D economic write off). The engines fine, handle bars I believe are fine, frame is savvy (its only cosmetic damage due to it falling over). Obviously Il have to replace mirror, footrest etc.

Second question is how do I dispose of my neighbours body? (joke)

Interested in hearing your views!!

Cheers peeps

Jimbo

(P.S Il put pics on here if needed)
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0ddball
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PostPosted: 19:22 - 10 Feb 2011    Post subject: Reply with quote
What inspection? If it's a cat D you don't need a vic.
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.....
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Joined: 15 Jan 2005
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PostPosted: 19:24 - 10 Feb 2011    Post subject: Reply with quote
Why isn't your neighbour paying for a new fairing or why are you not claiming on his insurance?
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Finglonga
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PostPosted: 19:37 - 10 Feb 2011    Post subject: Reply with quote
Joe wrote:
Why isn't your neighbour paying for a new fairing or why are you not claiming on his insurance?


If it is a cat D then it has been written off by the insurance and the OP has bought it off the insurance company to fix up themselves.
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JaMeZ
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Joined: 07 Jun 2004
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PostPosted: 20:26 - 10 Feb 2011    Post subject: Reply with quote
Hey there thanks for your responses,

I was being stupid!! Its a Cat C write off!!

And the salvage value they gave was £187! the engine is worth more than that alone!
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GREENI3
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PostPosted: 20:34 - 10 Feb 2011    Post subject: Reply with quote
Why haven't you claimed it off your neighbour's insurance?

I'd be knocking their door down if that was me Wink
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JaMeZ
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PostPosted: 20:37 - 10 Feb 2011    Post subject: Reply with quote
Hi, I have claimed, but their insurance have messed me around (same as mine) and their contesting responsibility!!! Dont know how!! the bike was locked and under a cover!!

But what theyve valued the bike at is also a joke, no where near enough to repair.
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iooi
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PostPosted: 20:39 - 10 Feb 2011    Post subject: Reply with quote
WiiLKO wrote:
Why haven't you claimed it off your neighbour's insurance?

I'd be knocking their door down if that was me Wink


Embarassed

Take a look at the post above yours Laughing

Surprised the neighbour simply didn't cough up the cash, rather than going through the ins.....

Option sell it for bits and buy a new bike. Could you remove the fairings till you can sort some.
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GREENI3
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PostPosted: 20:40 - 10 Feb 2011    Post subject: Reply with quote
Has your neighbour admitted it was their fault?
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timR6
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Joined: 18 Aug 2007
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PostPosted: 20:42 - 10 Feb 2011    Post subject: Reply with quote
the "salvage value" is what they charge you to buy it back from them... not what they'll give you
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0ddball
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PostPosted: 20:48 - 10 Feb 2011    Post subject: Reply with quote
Well unless it's changed recently a cat C doesn't need a vic either.
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JaMeZ
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PostPosted: 20:50 - 10 Feb 2011    Post subject: Reply with quote
No they havent admitted fault, because they are weird! They have valued the bike at £800! its worth at least 1,300. It would be a shame to sell it for parts, but I supposed if I cant repair it I'd have too!
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GREENI3
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PostPosted: 20:55 - 10 Feb 2011    Post subject: Reply with quote
Installing a CCTV camera outside your house (pointing at your bike) would have been a good idea. Wink
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hmmmnz
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PostPosted: 22:26 - 10 Feb 2011    Post subject: Reply with quote
here is what you should do to your f3
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mad4it028
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PostPosted: 22:32 - 10 Feb 2011    Post subject: Reply with quote
there is no vic check needed on a bike cat c or d on a cat c car you have to have a vic check but not on bikes

so basicly you can repair it to what ever standard you like and ride it so long as it passes an mot your fine
hth Carl
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JaMeZ
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PostPosted: 22:52 - 10 Feb 2011    Post subject: Reply with quote
Cheers mate muchas gracias!!
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Teflon-Mike
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PostPosted: 23:57 - 10 Feb 2011    Post subject: Reply with quote
mad4it028 wrote:
there is no vic check needed on a bike cat c or d on a cat c car you have to have a vic check but not on bikes

so basicly you can repair it to what ever standard you like and ride it so long as it passes an mot your fine
hth Carl


Until you ACCEPT an insurance settlement, its still YOUR bike to do with as you see fit.... though anything you do to a bike that is in 'despute' can effect settlement.

Personally I'd suggest that the value of a '95 CBR6 isn't as high as you suggest £1300 is a highish dealer price. Insurance Co's will go by Parkers guide and 'average' sale prices, and on that basis £800 probably isn't unreasonable. Rare colour scheme doesn't REALLY make it more valuable, just harder to find matching panels for!

If they have valued it at £800, and suggested £187 'Salvage' value, then, what that means is they pay you £600 and its up to you what you do with the bike.

If they declare it Cat-C ecconomic write off, and report it to DVLA, you need to get a fresh MOT on it to clear the cat flag, as technically the bikes not MOT'd, depsite fact you may have a ticket on it. Cat-C declaration deems it damaged, and demands new MOT, so DO NOT ride it until tested after accepting a cheque.

Personally, I would have thought you could get teh panels fixed, or get 2nd hand panels of e-bay or a breakers for a couple of hundred, so a £600 pay-out should give you scope to sort it however you preffer. Or £800 could get you another CBR of similar age, and possibly condition.... or you could hang out for a better settlement, BUT I doubt you'll push them up by more than a couple of hundred at best, but in the meanwhile you have a buggered bike....
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CaNsA
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PostPosted: 03:16 - 11 Feb 2011    Post subject: Re: Fairing damaged (badly) Reply with quote
JaMeZ wrote:

(P.S Il put pics on here if needed)


Pics are always needed!
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DrDonnyBrago
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PostPosted: 12:16 - 11 Feb 2011    Post subject: Reply with quote
Teflon-Mike wrote:

If they declare it Cat-C ecconomic write off, and report it to DVLA, you need to get a fresh MOT on it to clear the cat flag, as technically the bikes not MOT'd, depsite fact you may have a ticket on it. Cat-C declaration deems it damaged, and demands new MOT, so DO NOT ride it until tested after accepting a cheque.


You sure about that?

Noone mentioned anything of the sort when my car was bumped and Cat C'd. Has had MOTs since but at the time I kept the old one running Shocked . Taxed it in between the bump and the new mot too.

Last edited by DrDonnyBrago on 13:01 - 11 Feb 2011; edited 1 time in total
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Pete.
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PostPosted: 12:22 - 11 Feb 2011    Post subject: Reply with quote
timR6 wrote:
the "salvage value" is what they charge you to buy it back from them... not what they'll give you


Yes, this. They will pay you out the 'book value' of the bike and sell you the remains for the salvage value, if it is their policy to do so.
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Teflon-Mike
tl;dr



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PostPosted: 15:15 - 11 Feb 2011    Post subject: Reply with quote
DonnyBrago wrote:
Teflon-Mike wrote:

If they declare it Cat-C ecconomic write off, and report it to DVLA, you need to get a fresh MOT on it to clear the cat flag, as technically the bikes not MOT'd, depsite fact you may have a ticket on it. Cat-C declaration deems it damaged, and demands new MOT, so DO NOT ride it until tested after accepting a cheque.


You sure about that?

Noone mentioned anything of the sort when my car was bumped and Cat C'd. Has had MOTs since but at the time I kept the old one running Shocked . Taxed it in between the bump and the new mot too.


It's open to interpretation, but if an insurance co notify DVLA of Cat-C it needs MOT to clear the flag, or have log-book re-issued.

If you run about on the 'old' MOT, then grey area. Technically you still have a current MOT, but MOT cert isn't proof of road-worthyness or safety, you are still obliged to ensure the vehicle you are using on the road if roadworthy, irrespective of MOT valididty.

If you had another bump, and the bike hadn't been re MOT'd... it would be something of a grey area if it popped up as still having the Cat-C flag in force..... was the vehicle road-worthy before accident? How much damage was the result of accident or residual from previouse that resulted in Cat-C etc.

If you police followed you, and ran your number through the NRC, DVLA record would chuck up uncleared Cat-C... they are going to go over the bike with a fine tooth comb, aren't they, if they dont take the interpretation that Cat=C means do not use until cleared...

So... it MAY be a grey area, as everything around the MOT rules, BUT, practically, such an obviouse one to get you into trouble.... for the sake of £30 after a pay-out?
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DrDonnyBrago
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PostPosted: 15:30 - 11 Feb 2011    Post subject: Reply with quote
Teflon-Mike wrote:
It's open to interpretation, but if an insurance co notify DVLA of Cat-C it needs MOT to clear the flag, or have log-book re-issued.

If you run about on the 'old' MOT, then grey area. Technically you still have a current MOT, but MOT cert isn't proof of road-worthyness or safety, you are still obliged to ensure the vehicle you are using on the road if roadworthy, irrespective of MOT valididty.

If you had another bump, and the bike hadn't been re MOT'd... it would be something of a grey area if it popped up as still having the Cat-C flag in force..... was the vehicle road-worthy before accident? How much damage was the result of accident or residual from previouse that resulted in Cat-C etc.

If you police followed you, and ran your number through the NRC, DVLA record would chuck up uncleared Cat-C... they are going to go over the bike with a fine tooth comb, aren't they, if they dont take the interpretation that Cat=C means do not use until cleared...

So... it MAY be a grey area, as everything around the MOT rules, BUT, practically, such an obviouse one to get you into trouble.... for the sake of £30 after a pay-out?


Cheers, in this case it was a car, damage was cosmetic damage to a door (VERY low value car hence written off). There honestly was no suggestion from anybody, insurance company or otherwise that it needed to be rechecked. This was a few years ago now so is no longer an issue but I would have been pretty peev'd if I had been pulled for it.

Thinking about it, when I first got the car it had just been written off as cat C (double cat C cars FTW) and had not yet had a new MOT. I was pulled over for a drink driving test after a few months (still prior to the first MOT since the bump) and they didn't mention an outstanding cat c flag. Must've been lucky Cool .
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mad4it028
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PostPosted: 15:36 - 11 Feb 2011    Post subject: Reply with quote
not all cars are flagged with dvla on a cat c but if it is flagged ( this can be checked online ) then it needs a v.i.c check and fresh m.o.t
i have never come across a bike thats been flagged yet and i deal in right offs

even if it is flagged its no big deal v.i.c check they just check the engine and frame number dont even look at the repair just looking for ringers
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DrDonnyBrago
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PostPosted: 15:41 - 11 Feb 2011    Post subject: Reply with quote
mad4it028 wrote:
not all cars are flagged with dvla on a cat c but if it is flagged ( this can be checked online ) then it needs a v.i.c check and fresh m.o.t
i have never come across a bike thats been flagged yet and i deal in right offs

even if it is flagged its no big deal v.i.c check they just check the engine and frame number dont even look at the repair just looking for ringers


Got a link for that mate?

I had to do a VIC check when I first got the car before they would issue me a V5 (first write off by last owner). I also am due another one for the second write off, if I need a new V5 for whatever reason then they wont issue it until it has had a VIC done. It has had MOTs since then and been taxed a few times too. If a fresh MOT is required then why hasn't any gov't agency told me or cared enough to pull me over about it?


Does anyone have any links to laws/gov't websites that say exactly what should happen if my car gets written off again??
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