Got SMIDSY'D, had my medical *updated*

[virus]

I got smidsy'd tonight on my way home and did a superman over some twats car bonnet, after a couple of hours in a+e, a trip in an ambulance and some morphine ive been given the all clear and nothings broken and no internal bleeding, Ive got a massive bruise on my hip from hitting the handlebars and im sore all over but thats about it thankfully.

Ive got an independent witness and the twat has been reported for careless driving which is good.

poor ol rat however is KIA, forks are bent back and the wheel is almost touching the engine from what I saw before the ambulance came thankfully my mate and mot man was on scene quicly and lives nearby were it happened so its in his garden now and i'll be speaking to him tomorrow about getting a repair quote for insurance at his workplace soon.

Anyone know what happens now though? I'll call insurance and give them details tomorrow but what happens assessment/repair wise? she is valued at 250 quid and needs new forks and front brake lines apparently.

am i going to have to shell out my exess when i wasnt at fault?

are they going to want there own assessor to assess it or will a repair quote at the garage do the job?

Cheers
John

p.s. obligatory paint diagram and wrecked bike pics tomorro when i can be arsed, i need sleep
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own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[Sam_Y_93]

Sorry to hear that, at least you didn't get deaded

Shouldn't have to pay the excess, and if you do then you will get it paid back.

When I had my non fault accident I got a total back of about £600 more than what was down as what it was worth. The insurance will want to take it away and assess damage and costs themselves.

All of that goes off of my experience might go differently with others.
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Bikes Past: Yamaha Aerox (sold) Yamaha R125 (written off)
Bikes Current: Honda VFR 400 (awaiting restoration) Honda CB600f F-4
Theory passed July 21st Mod1 passed August 3rd Mod 2 passed 26th August

[BigGeeking]

sorry to hear that fella as long as you are alive

i hade some one hit my car and they admitted fault did not cost me a penny had a good hire car for a week then got my shitty car back lol
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Bendy "Flip front. I can filter down the M4 while shoving a Twix in my face."
honda CG 125 2001 SOLD-- current Bandit 400--SOLD. current SV650s 2000
MOD 1 ON 20/7/2011**passed** MOD 2 ON 17/10/2011***passed***,,

[Paxovasa]

Sorry to hear about your off.

Don't forget to claim for your riding gear.

Sounds like it will be written off, but you could buy it back off the insurance company and repair it if you think it would be worth doing.

Anyhoe GWS and take it easy for a few days.
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Suzuki GSF600 K3 (in the fastest colour, black).

[Jim Mc]

All I know is, I got a £400 payout from my insurance when I had a non-fault accident. The insurance company put my premiums up by £1000 the next year, when I tried to switch, the cheapest I could get was £250 more than I was already paying and I searched everywhere. For a 100% non-fault accident, aged 28.

So if you're not injured and the bike is cheap, is it worth involving insurance?

[Ariel Badger]

Glad you are ok John, looking forward to the Paint pic.
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Bikers make great organ donors, get 115 on your licence today.

[Kris]

Argh sorry to hear this. Get well soon!

Get on the phone to a solicitor such as sorrymate.com or White Dalton etc.
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NSR125RR - ZXR750H1 - ZX9R E1 - GSF600S - GSF600SK3 - VFR400-NC30 - SV1000N - ST1100-R - CBR900RR-R - GSF1200SK5 - GSF600SK1 - VFR1200FA - GSXR1000K2 - ZZR1400 D8F
www.prisonplanet.com

[G]

What you valued at is not the value for another company.
First off either a) "omg, look what you've done to it, everything's knackered" or b) "omg, it took me hundreds of hours to achieve that look" .

And yes, it's worth getting some insurance quotes. But now it's all been recorded, it's worth considering getting some quotes with no claim but a non-fault accident still recorded - as generally they do ask about this too.

[P.addy]

[KingKong]

Sorry about your accident; and also apologies for not having any useful advice on your question; just wanted to express my condolences for what you've been through.

All the best
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Kwak 636 (2005)

Past - 2016 Ninja 300 (dark grey); K4 GSXR 600 (sexy yellow); 2002 CBR600FS; 2004 GSXR 1000; 2006 Kwak 636; 2005 Yamaha XVS 1100 Dragstar (facepalm); 2005 Kwak 636; 2011 Yamaha R125.

[Rogerborg]

Damn, sorry to hear it. I hope you're really OK and there's no long term effects.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[J.W.Pepper]

Bad day in the Rat bike cemetery...

At least your still here though! - Get another to rip the streets up again
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CBT - 01/05/2011 | Theory - 07/05/2011 | Mod 1 - 01/07/2011 | Mod 2 - 08/07/2011
Hyosung GT125 | Honda CBR600f F3

[virus]

well after a morning of phonecalls direct line have phoned me, taken complete responsibility. Over the next week i will be getting: an assessment on the bike and if its not a write off it will be going to a garage of my choice for repairs, a hire bike, a replacement craft lid and leather jacket, a private medical to see how my back and neck is, physio and an offer of compensation in the future.



hopefully it wont be written off and i'll get it sorted out quickly and smoothly, i just want ratty back, iv feel devastated with her gone.

Pics and paint diagram this afternoon once ive picked her up btw

Cheers
John
____________________
own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[DrDonnyBrago]

[P.addy]

[truslack]

Non fault claim generally raises my bike insurance by 200-1000 quid. (On fully comp - doesn't seem to affect TPO)
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Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[P.addy]

[Kickstart]

[G]

Remember, if it's a cat c/d you should be able to buy it back, still.

[chris-red]

[UKRedwing]

[truslack]

I'm 4 years down the line from my crash, 4 years NCB, and still see a big difference in price between declaring the crash and not.
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Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[P.addy]

[Howling TerrorOutOfOffice]

Thank-fuck you weren't hauling the keg.

Also happy to hear you're relatively unscathed.
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Diabolical homemade music Bandcamp and Soundcloud
Singer songwriter, Artist and allround good bloke Listen to Andrew Susan Johnston here
The Harry Turner Project

[G]