Wrote off my yamaha dt125x

Supermotard37... · Scooby Slapper Joined: 31 May 2011 Karma :

I bumpstared my bike because it wouldnt start dunno why..and then rode down my street to turn around and on the way back up my street there was a van parked on the left creating a blind spot so slowed down and pulled out round the van to find a car coming right towards me and i breaked but still slammed right into it at about 15 mph but,but,but because i was just bumpstarting it i wasnt wearing my helmet iknow people im a complete tool..where do i stand insurance wise Doh!

Conon · Scooby Slapper Joined: 05 Apr 2011 Karma :

Your insurance will pay for the damage to the car, but will likely take the fact that you were riding illegally as an excuse not to pay out for your bike. Were the police involved? Did the car driver say anything to you about not having a helmet on?

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

Probably from an insurance side you werent wearing the only piece of clothing you are legally needed to wear...So you weren't legal on the road, meaning insurance is invalid.

Unsure whos fault that would be.. 50/50 unless you were actually hammering it.

Thumbs Down

Bike Bunker · World Chat Champion Joined: 28 Oct 2010 Karma :

i would have explained to the 3rd party why you wasn wearing a helmet even though thats a completley stupid thing to do!!

but then he might say it was ur fault and the claim will go against you...

you ever seen a amputi? no legs to stand on ? thats you right now Thumbs Down

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

MaybeGuy · Super Spammer Joined: 12 Mar 2007 Karma :

How much for the wreckage?
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!! Mr. Green

Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

Hyaon · Traffic Copper Joined: 14 Sep 2010 Karma :

no need to make this topic twice in beginners section as well
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CBF125>GSF650 Bandit K8>B-King 2008+R1 2002

T.C · World Chat Champion Joined: 05 Nov 2003 Karma :

Simply because you were not wearing a helmet does not dissolve the insurance company of covering third party claims, but depending on the small print in your policy they may decide not to cover the cost of your bike unless you can make a successful claim against the third party.

If you had been injured, then not wearing a helmet would reduce your compensation by 25%.

As to who is at fault is difficult to determine based on your post.

The driver pulling out of the driveway has a statutory duty to ensure it is safe before joining the main road, but in the same vein, it will be argued that you should have anticipated the possibility of vehicles pulling out of driveways or junctions.

The van driver could be inlcuded as being contributory to the cause of the crash by virtue of the position in which he parked, but it would be very unlikely that anyone would try to make a claim against the driver as it would be argued that unless there were parking restrictions, he was perfectly entitled to be parked and stationary at that point.

As someone who has to advise on liability, I would agree with an earlier poster that this would be likely to be settled 50/50 as you both had a duty of care which you both failed to adhere to which in turn contributed to the crash.
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P. · Red Rocket Joined: 14 Feb 2008 Karma :

Says nothing about a driveway, personally I'd reckon the insurers would take a dump on you... unless you have a spare helmet with a few scuffs down the side and insist you were wearing it.

T.C · World Chat Champion Joined: 05 Nov 2003 Karma :

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

T.C · World Chat Champion Joined: 05 Nov 2003 Karma :

Bike Bunker · World Chat Champion Joined: 28 Oct 2010 Karma :

on the subject of insurance any tips on bringing my premium down?
trying to insure a zx6r after 1 year of riding and 1 NCB but cxant get anything bellow £900

Areas pretty shit but its in locked garage, chained alarmed, 1 previous claim (not my fault) (obviously not yet passed my test but put that i passed it the day before im trying to insure the bike) please help
also a zx6r g model 1998

insured a zzr600 (93-99) for 600 but really would prefer to buy a zx6r

sorry for stealing thread Sad

Nexus Icon · World Chat Champion Joined: 26 Aug 2010 Karma :

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

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

Bike Bunker · World Chat Champion Joined: 28 Oct 2010 Karma :

DrDonnyBrago · World Chat Champion Joined: 03 Jan 2010 Karma :

Supermotard37... · Scooby Slapper Joined: 31 May 2011 Karma :

Thanks for the quick replies gents

i dont really care about my bike as long as the insurance company covers the golf gti i hit...alot of my neighbourghs said its a really bad bad blind spot because of the street and the way it curves i never knew this because i live at the top of the street and the staitonary parked van didnt help me seeing Doh!

.. i can get a new bike in a few weeks if i do overtime Thumbs Up

i just hope they pay up for his rad,bumper,and numberplate Thumbs Up

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

Supermotard37... · Scooby Slapper Joined: 31 May 2011 Karma :

bearing in mind he said to me he was doing about the same speed, i really didnt expect to see that much damage to his car either i was just thinking cracked bumper at the most but my hole front end of my bike was under his car wich is what probly destroyed his radiator Neutral

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

TUG · World Chat Champion Joined: 12 May 2007 Karma :

You probably going to lose like suggested, get some free legal advice and go from there.
BCF aren't experts and alot of advice on here is wrong.

Get some free legal advice and if you are going to lose then your premium will go up as you will have to declare it next time you get insured.

Repairing the bike wont be that bad, get onto ebay and start finding parts. Where are you located if your by me i could maybe help you out.
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Haz ER-5, innit!

Supermotard37... · Scooby Slapper Joined: 31 May 2011 Karma :

thanks for the offer Tug Thumbs Up

i live in corby in northampton shire area all i really want is for the insurance company to pay for the guys car i can sort the bike if i get some forks for it hopefully thats all i think is wrong with it apart from some other cosmetics like bars indicatiors even tho the sub frame was a wee bit twisted we twisted it back Thumbs Up

and it looks alright..

where abouts are you from Tug ?

Paulington · World Chat Champion Joined: 11 Mar 2009 Karma :

It's people like you I dislike sharing the road with. You are actively stating that you will lie on your insurance documentation to get your premium down, yet when you fly into the side of me, damage my car and damage myself and passengers, I have to go through faff because your insurance gets declared void. If you are going to lie on your insurance documentation why even BOTHER getting insurance in the first place? It's not going to help you in an accident?

There is a reason insurance rates are so high on middleweight sports bikes for people of your age, because you can twist the throttle to the stop on your piddle-powered 125 and throw it about a bit which makes you think you're a better rider than you actually are who is ready to graduate to a machine with 8-10 times the power, this overconfidence means you are SO likely to smash it to pieces whilst injuring someone massively and be at fault. Why not spend another year or two on a bike that is JUST AS FAST up to 120mph except it lacks a few bits of plastic? It will drop your insurance premium down and WHEN you drop it, it will cost less to fix AND you will have kosher insurance because you won't have to lie to get it to an affordable level. When I tried to insure a Hornet at 17 the insurance premium was 75% cheaper than a sports 600.

There is no rational reason to pick a sports 600 over a naked 600 other than aesthetics. They are literally just as fast until you get to licence-losing speeds, they are comfier for the majority of people, return better fuel economy and are cheaper to insure. Why not just stick with one of those for a year? Curb your want to look good and pick up some clunge for a bit and get experience on something sensible.

If you do get declared at fault for this and they decide to be sticklers with the no helmet offence you won't insure a middleweight sports anyway. No matter how much you lie ( Rolling Eyes

) you are likely to not get quotes under the £2000 mark.

I'm not trying to sound mean and nasty, you are just coming across as someone who wants a sports bike so they can say they have one. I'm suggesting you spend a year or two on a more suitable first big bike that you will learn to ride fantastically and save up some money for the exact bike you want and then graduate to a sports bike when the insurance is cheaper and you are better suited to deal with the twitchy throttle and nippy suspension, not to mention you'll be a bit more 'grown up' then too.
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CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.