Arse, come off whilst filtering.

[Amber Phoenix]

Bollox.

Just had an off. Filtering down A13, traffic doing 10mph, me 20mph ish. Nothing outrageous, knob swaps lanes in front of me, brake, damp tarmac, lock bike up, clip car and slide down. Arse. I'm OK, bruised ankle, bit shook up. Bike (FZS600) ain't looking great, more cracks on fairing, brackets bent, screen popped off, mirror dangling, belly pan/bobbins right mess, exhaust bent, rack but, top box gone flying. Nursed it home, engine seems good, forks/bars still seem in line, lights all work.

Obligatory crappy paint diagram to follow.

A top geezer stopped and helped pick up bike and wheeled off road, many thanks whoever you are.

So, do I bother going through insurance, yay or nay?

He had promptly put his car back in his lane by time I got off floor, so I've got no evidence of him moving over in front of me, unless you argue how else do I clip him. No witnesses. Already got an outstanding claim (which I've just won court case for, but awaiting cheque, no claims to be reinstated etc). So, valuing my bike probably isn't going to worth much. His car, tiny dent in rear panel, no paint lost, probably cheapish job for panel beater.

Do I claim? Suspect I'd probably be lucky to get 50/50, and not a great deal for damages back. Probably be a write off.
Or should I just cut my losses, skip insurance, save my premiums, just cover other chaps panel beating out of pocket and do bike up on cheap (or from cheque from outstanding claim)?
____________________
Beginner Biker Adventures Blog
Yamaha FZ6 S2 2007

[Nexus Icon]

The latter, I'd say. The very best you'll get through insurance is 50/50 and with no witnesses at all there's a massive risk of it going against you completely.

It's a tough break but it'd probably be cheaper in the long run to just swallow the £60 or whatever Dentmasters charge nowadays.


All that said, I'd go through insurance but then I don't mind paying the premiums as long as over the course of my lifetime I claim more than I pay
____________________
Greetings from Shitsville!

[J.M.]

If it would go 50/50 on insurance, why are you offering to fix his vehicle? Why not say to him that it's his fault as much as yours and you're both responsible, therefore you pay to fix your own vehicles.
____________________
2004 R1 & 2018 XSR900

[1cyl]

.

[Amber Phoenix]

I guess I'm just being pessimistic, as I hate insurance and the way they drag shite out and ultimately just crank up everyones premium.

Yes I believe it was his fault. Yes I think me fixing his car is fair. But I was wondering if the cost of a panel beater would be less than what I'd lose going through insurance...
____________________
Beginner Biker Adventures Blog
Yamaha FZ6 S2 2007

[Shinigami]

insurance under what this situe sounds like could go in his favour....

you hit him, no witnesses = 50/50 at best but highly possible in his favour
____________________
Current: Honda City Fly CLR125 2003 Honda CB600F Hornet 2008 Yamaha FZ6 S2 + 1991 Kawasaki GPZ500
"Once you realize what a joke everything is, being the Comedian is the only thing that makes sense.

[Nexus Icon]

[Shaft]

[Darth_Da]

Bad luck mate, hope your ok.

Pretty much why I don't filter very often, never trust the cars

[Wozza]

Was there not a gap he was trying to pull in to, which might have warned you of his impending manoeuvre?

[Quornholio]

Perhaps THIS POST by T.C, specifically the case law, may help?

[Amber Phoenix]

[Muscle Bike Rider]

Feel for you mate, been using the A13 for over 4yrs myself now and its a nightmare when congested, especialy from Canning Town out. Main thing is your ok, I'd speak to the driver and see if he can cover his own damage as he changed direction without checking and may not be keen on a potential claim against himself, at best it may be a 50/50
____________________
Previously Known As A5tra_G
Old Bikes :2010 Kawasaki ER6 F & 2000 Honda VTR Firestorm
Current Bike : XJR1300

[shereen]

Also might be worth checking this out:

https://www.bikechatforums.com/viewtopic.php?p=3140815

I would say claim against him as it is his fault, use the above case as a reference.
____________________
"The Internet is the first thing that humanity has built that humanity doesn't understand, the largest experiment in anarchy that we have ever had"

[DrSnoosnoo]

There were witnesses then, just nobody stopped to speak to you?

What a twunt! Feel for you but it's his fault, there's only so much we an do when filtering, your speed wasn't excessive. He failed to observe the road around him to check everything was clear before moving.
____________________
I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[Rogerborg]

Reminder: while you're thinking about this, he may be talking to his insurance about the nutter that came out of nowhere at 100mph, not that he saw you, even though he looked carefully and had been signalling for at least ten seconds.

If you don't tell your insurer before his gets in touch with them, you may be put on the naughty step.
____________________
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

[Walloper]

[Ribenapigeon]

I think I would be straight on to my insurer, get my story in first.

[gorillaonabik...]

[Amber Phoenix]

Right, made mind up, going through insurance, feck it.
____________________
Beginner Biker Adventures Blog
Yamaha FZ6 S2 2007

[Baffler186]

[Crizzy]

How is everyone a winner? If the driver pulled out without warning or checking then surely it's 100% his fault?

You're within your right to filter, no car driver is within his rights to swap lanes without signalling or checking mirrors.

[shereen]

[goto10]

[Crizzy]

Threads like this make me want to invest in a camera. I would tell my insurers what happened and fight my corner. If the guy who pulled out was any decent kind of person he would do the same and fess up. This won't happen though but I would find it difficult to accept this as 50/50.

People make mistakes, it happens, but his mistake shouldn't make you worse off.