Smidsy'd, what do I do now?

[dgo1212]

As regards insurance, chap has accepted liability and claims he didn't see me, was pitch black where we were and we were in a dangerous spot so rather than stay there we decided to move as the damage appears to only be cosmetic, he lived nearby and suggested we go to his house to take pictures of damage as he had a garage with decent lighting. Damage to my bike appears to be light, right hand fairing, right indicator and both headlight bulbs blown, his car is a different story, front wing, headlight, bumper and bonnett (clearly I won ). To top it off I even managed to stay on the bike, after bouncing off the side of his car I mounted the pavement and skidded to a stop.

What do I do now as I obviously want my bike fixing, he's calling his insurance in the morning regarding his car and I shall be calling him to discuss my bike, (didn't want to put too much pressure on him tonight as he is and old man and was clearly shaken up a lot more than me), do I ask him for his insurance companies contact details and call them myself, or do I need to contact my insurance company and let them deal with it? I can't afford to lose my bike while it's being repaired so would rather fix it myself and have his insurers pay for the parts (about £100 with 2nd hand fairing), would they do this or would they insist on taking it away to be repaired? Any advice appreciated and will try and post pics tomorrow.

[itsdave]

Contact your insurance company with the details of the crash and give his vehicle info, they should be able to find his companies info from that.

On the side of repairs they will decide if it is worth while keeping the bike. They may wish to take the bike away to examined but you should be able to explain your desires.

It depends if the sweet old man continues to believe that it was his fault.

Well done on staying on and Glad to hear your ok

Regards
Its
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Project cg125 current bike cbr600f sport white+ black watch out for me in central London.

[dgo1212]

[kerr]

Prepare for the sweet old man to change his story, big bad biker came out of nowhere.
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aprilia 125 Af1 Futura >> Suzuki gsxr 600 srad >> J1 zx6r >> cbr 600rr >> Speed Triple

[iooi]

As he is going by his ins co you are kinda stuck and will have to declare it to your.

As he drove off ??? I would be reporting to police.

You hit something, you stop where you are to check, then move afterwards......
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Just because my bike was A DIVVY, does not mean i am......

[Frost]

Provided you and he both agree on the location then the road layout and locations of damage will clearly show the nose of his car going into your path when you have right of way.

[arry]

You can contact his insurer direct. In fact, after he's reported it, the chances are they'll contact you. It's far more efficient and cost effective to handle third party claims direct as it does't ramp up administration costs etc.

You do need to notify your insurer though and disclose a non fault incident which you will not be claiming for from them as you will be pursuing your damages directly from the TPI.

[dgo1212]

Well contacted my insurance this morning, didn't go well as I forgot to inform them I'd recently moved house, charged me another £48 before they'd even deal with me, pissed off I asked them "even though this wasn't my fault , are you going to rip me off some more when I come to renew my policy", their response was unbelievable "you're due for renewal in February and a claim could take months, if he changes his story and doesn't accept liability you won't get this years no claims until it's proven it's his fault, is there anything else we can help you with?". my reply, "you haven't actually helped me at all, all you've done is extorted more money out of me and made the situation worse, needless to say I wont be insuring with you again once this policy expires".

I then rang the guy and asked if he'd spoken to his insurance, he told me he'd accepted liability and they were going to repair his car and leave him a courtesy vehicle, they asked him for my details but said no more about my bike, he offered to reimburse me for parts if I was happy to do the repairs myself, I declined as there's no guarantee he's going to pay up once it's repaired so he's offered to put the money up front on condition I give him receipts for the parts, still pissed at the inconvenience of fixing it but beats waiting for the insurers to deal with it.

[Jefr0]

A friend of mine is going through the same situation.

Third party was at fault but didn't admit liability at scene.

You need to talk to your insurers about putting in a claim against the third party (don't be worried)

He accepted liability at the scene (something you should never do) he also drove off and also said SMIDSY which all help in your favour. He's also said he accepts liability to his insurance so you are safe.

Your insurance will claim off his (this will not affect your insurance costs as you are not making a claim from your insurance, but his)

It may take a few months to sort, but is quicker as he's accepted liabililty.

As the bike is rideable they will arrange someone to come out to you to inspect the bike. Anything damaged they will price up as new parts plus labour to fit. They will then tell your insurers how much it will cost if not written off. They will then claim this off the other party. They will also ask if anything else was damaged like your helmet under 'uninsured loss'

E.G If the damage plus labour is £500, bike worth £1200. They will claim (attempt to) £500 from the other insurer.

E.G.2. If the damage plus labour is £1400, bike worth £1200. They will write it off (C or D most probably) and claim £1200 from the other insurer. 'To buy your bike back' they will estimate a scrap cost, usually 10%. So they will claim £1200 minus 10% (£120) from the other party so you can keep your bike.

You must go through insurance now.

Hope this helps.
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Rides: Honda XR 125 ('03) Honda CBR 600F ('91), Ducati 916 Biposto ('95)

[Rogerborg]

Well, I guess you know now that you were a mug to tell your insurer.

Best thing all round would have been to get a cheque or cash from the Sweet Old Man and hope that he forgot your registration. Sorry.
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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

[m1tch]

I take it you have told the DVLA of your new address otherwise your licence is invalid and you are riding with no licence....

[Kickstart]

[arry]

[Minty]