Insurance claim help

GeordieChambe... · Renault 5 Driver Joined: 20 Mar 2013 Karma :

Hi peeps, well this morning I had my first accident and have no idea what to do about it insurance wise,

At 5:45am I was riding to work, there was nothing on the road apart from a silver Vauxhall Astra in the distance. As I got closer he moved over to the right of our side of the road appearing to turn right in to a side street however just as I was passing him he suddenly turned left(with no indicator on) into the side of my bike which obviously sent me and my bike into the tarmac, Unfortunately there were no witnesses and I don't believe it was caught on any CCTV.

The police were called and took each of our details(both passed the breathalizer). So now I have his details, my bike has no indicators on the left, scraped front mudguard, dented and scraped fuel tank and all the chrome has been stripped from my rear suspension arm and on top of that I think I may have fractured my right foot where the car hit me.

Sorry about the long winded story but I have no idea how to make a claim, what is involved and whether it will be actually worth it. Any help or advice would be greatly appreciated.
____________________
Suzuki GZ125 (03) - March 2013, CBT - April 2013

... · Brolly Dolly Joined: 12 Oct 2009 Karma :

1) Call you insurance company
2) Say you want to make a claim
3) Tell them exactly what happened.

Then you wait.

AFAIK, a personal injury claim is almost always worth it if you are injured. Get yourself to a hospital and have your foot checked out.

If you have pictures of the scene, even better.

GeordieChambe... · Renault 5 Driver Joined: 20 Mar 2013 Karma :

Thanks just a bit nervous in case they accuse me of undertaking and try and hold me liable for it Sad

____________________
Suzuki GZ125 (03) - March 2013, CBT - April 2013

-Matt- · World Chat Champion Joined: 28 Apr 2013 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Tell your insurers now, prevaricating about the bush isn't going to change the circumstances.

Sound like you both screwed up, but it happens, and that's what insurance is for.
____________________
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

GeordieChambe... · Renault 5 Driver Joined: 20 Mar 2013 Karma :

Yes but if I put a claim in and its unsuccessful what would be the consequences ie would I have my insurance cancelled, would I be liable to the damage to his vehicle, will my premium go up next year etc ?????
____________________
Suzuki GZ125 (03) - March 2013, CBT - April 2013

Doovy · World Chat Champion Joined: 21 Jul 2008 Karma :

Chuffin Nora · World Chat Champion Joined: 02 Sep 2013 Karma :

Yet, in case of the possibility that liability is loaded onto you, get thee to a solicitor forthwith that they might order a request to have the party of the third part's vehicle's indicators examined — and the rest of it while you're there — just to be on the safe side . . .er . . . which you evidentally weren't, I'm very sorry to say.

Good hunting.
____________________
There's a fine line between integrity

Chuffin Nora · World Chat Champion Joined: 02 Sep 2013 Karma :

Yet, in case of the possibility that liability is loaded onto you, get thee to a solicitor forthwith that they might order a request to have the party of the third part's vehicle's indicators examined — and the rest of it while you're there — just to be on the safe side . . .er . . . which you evidentally weren't, I'm very sorry to say.

Good hunting.
____________________
There's a fine line between integrity

Pie-Roe · World Chat Champion Joined: 05 Feb 2007 Karma :

I would put it to you from recent experience that if you had fractured your foot, not toes, you'd be unable to walk on it without either crying like a girl or copious amounts of pills.

When you say he appeared, did he appear to indicate, or could it also appear he swung out to take the turn tighter?

With no witnesses and no CCTV it'll probably take a while.
____________________
Previous: GSF600, FZR600 x2, ZXR750, XT600 Tenere, CB125, CZ125, ETZ 250, ER5, CCM R30, DRZ400, RF600x4, RF900x2, GS500, VTR1000F, 640 SMC, CB250 NIGHTHAWK, GT550x3, GPX750 TE610, CB500, X11x2, SV650, ZING 125, TL1000R,CB250 Superdream, CBR1100XX

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

prawny1 · World Chat Champion Joined: 28 Jun 2005 Karma :

Are you certain he was turning?

It sounds to me like you tried to undertake.
____________________
hellkat wrote:

Some people are only alive cos its against the law to kill them.

Chuffin Nora · World Chat Champion Joined: 02 Sep 2013 Karma :

Ariel Badger · Super Spammer Joined: 02 Dec 2006 Karma :

Take cash off the driver or put it down to experience. Insurance will rape you if you claim or even inform.
____________________
Bikers make great organ donors, get 115 on your licence today.

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

totalllama82 · Crazy Courier Joined: 03 Jan 2011 Karma :

Call your insurers and log the incident ASAP. My missus managed to crash 2 of my cars on my policies and trust me, trying to settle out with the insurers ends badly.

People see this as a signal to go and get a quote for re-spraying their whole car, then start fannying around with courtesy cars and the likes taking you for a ride.
____________________
Gone: Haotian HT125-8 / Yamaha YZF 600R Thundercat / Kawasaki ZX9R C2
Current: Kawasaki ZZR 1400 A7F

kernow24 · Crazy Courier Joined: 15 Jun 2011 Karma :

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

Chalk it up to experience.

Don't go round a car if you aren't 100%

If you were 100%, you made the wrong choice.

See first comment on my post. Thumbs Up

prawny1 · World Chat Champion Joined: 28 Jun 2005 Karma :

flat eric · Spanner Monkey Joined: 23 Dec 2006 Karma :

I had a similar accident to you in 2012. the driver had indicated to turn left, and as I passed him on the right, he turned into me.

At first it was looking like 50/50 as he was a lying get, and said that he didn't indicate at all. and it was a case of my word against his. i was riding with my friend, but he wasn't an independent witness, so couldn't use his testimony. I had resigned myself to 50/50, but with 2 weeks to settlement, his insurance settled 100% in my favour. couldn't believe it.

This looks like the case for you my friend, as there are no witnesses. and it's your word against his. any solicitor will tell you to settle 50/50. as the judge will say this as well.

as you know there are dangers with under-taking and over-taking.

if you have a personal injury as i did, get it checked out straight away. but as it looks like a 50/50 case, you'll only get a small payout. but all the same, you get a few grand for your trouble.

unfortunately your insurance premiums for the next 5 years will be higher. i declared the accident on my car insurance renewal, and it went up £100. (this was before they settled 100% in my favour) How does that work? but that's how it is. higher bike insurance and car insurance.
____________________
There is always someone worse off than you !