Crash n' smash

Benno · World Chat Champion Joined: 06 May 2012 Karma :

First 'crash' yesterday. Some numbnuts pulled out of a junction without looking and I went into his flank. Luckily I was only going about 20mph (the speed limit) and damage was minimal, from what I can see so far. The front mudguard has a crack in it.

He pulled over, was very nice, admitted fault offered to pay and asked not to go through insurance, rang up his friend who ran a motorcycle MOT place or something. There was a cyclist witness who stopped and checked my bike for damage while we were still entangled, but I didn't keep him to get his details - stupid! Considering staking out the area this afternoon to try and catch him.

I am now wondering if I should report this to my insurance? I've heard of premiums going up even after no-fault accidents, but I'm not sure if it would help cover my arse if he decides to try and f*ck me over with insurance.

This part of the post is a general rant because I'm mad. On Sunday some guy in my unit flung open a wheelie bin lid and dented my fuel tank. Everyone parks their bikes in this area of the TAC. Last summer my dad drove his car over the bike. And now some guy pulled out on me and caused even more damage. The only damage caused to my bike has been done by other people which is really damn annoying!
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I'm autistic. That means I'm smarter than you.

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

Is the bike fucked? If not, wouldn't do insurance stuff.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

There's no reason to report it to your insurance.

If you're going to claim from the drivers insurance then that's nothing to do with your insurance company.

If you're going to settle it outside of insurance then that's also nothing to do with your insurance company.

Being sceptical, I wouldn't have the bike checked by his mates motorcycle MOT place and I also wouldn't go by what the cyclist said. Either do it yourself, have it checked by someone you know or get it checked by a garage.

20mph and just cracking the front mudguard sounds incredibly lucky.

Benno · World Chat Champion Joined: 06 May 2012 Karma :

dydey90 · World Chat Champion Joined: 01 Oct 2013 Karma :

Get it checked out at a garage you trust, his mate won't tell you if you've bent your forks.

I'd consider telling him that the forks are bent anyway though, even if they aren't. Monies! Laughing

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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,~~ER6f~~ NINJA 650, ZZR600 Current: VFR750

Dalemac · World Chat Champion Joined: 15 Oct 2006 Karma :

trevor saxe-coburg-gotha · World Chat Champion Joined: 22 Nov 2012 Karma :

And against the teachings of our lord jesus christ born in a manger on christmas day.
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"Life is a sexually transmitted disease and the mortality rate is one hundred percent."

Mobylette Type 50 ---> Raleigh Grifter ---> Neval Minsk 125

DiscoBiscuit · Banned Joined: 25 Feb 2014 Karma :

If possible don't tell insurance, even non fault accidents increase premiums for up to 5 years as I found out.

Benno · World Chat Champion Joined: 06 May 2012 Karma :

Roger dodger then

I'm think of just dropping this actually to avoid the hassle. The damage is minimal, almost unnoticeable. It's literally nothing more than a small crack in the mudguard, I was very lucky.

I'll need to inspect the forks, though.
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I'm autistic. That means I'm smarter than you.

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

eBay

mudguard

"Monies for this, mister"

fit (or gaffa tape the current one)

get on with your life.

He and his four cousin who were in the car probably won't put in a bogus whiplash claim because you came out of nowhere at 200mph. Whistle

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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