Had a fairly gentle rear ending

[talkToTheHat]

Got knocked off on my way back from family holiday* as I was stopping at a roundabout since I thought I wouldn't look good on the bonnet of the taxi I stopped for.

The guy I hit me got all up in my face and refused to give his name or any details because "all I done is bend your fucking numberplate" so I phoned the police. That got him a careless driving charge, some bonus points and "a day's being reminded how to drive at his own expense"

My fender is bent, number plate is mangled (is a bendy shatterproof one and just paid for itself) number plate mount is twisted beyond recognition, and the usual mix of levers, pedals and bar ends have scrapes. Think the ends of my silencers took a scraping too. Bike was ridable once I got the tape out and bent a few things back.

My overtrousers and leather trousers have cuts to them and I think I've escaped with just a bruise to my leg in between my boot and knee armour.

I got quotes from J&S for the damaged trousers on my way home, the guy there warned me that insurers might insist on a repair the the leather, can I avoid this? It's sliced nearly right through.

My local friendly bike shop is happy to sort the damage out if the insurance will play ball with them. Am I best doing this or letting them take it away and mess with it? My insurers use BLD Group who appear to be miles away and I'd rather work be done by people I trust.

Given the police charged the guy on the spot, how long is it likely to take his insurers to accept liability and cough up?

*I could have got train or car with the rest of them, but then I'd be unable to escape the not-quite-inlaws by going in search of somewhere to post the kids postcards, preferably about half a tank of fuel away...
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Bandit. does. everything.

[ScaredyCat]

[Hugh Farking Cant]

On the clothing issue;
The sales person is talking out of his arse.

You would claim for and only accept the equivalent replacement.


Ask the Insurers on Monday if they will accept your local workshop to
do the repairs.

It is usually in the interests of the insurance company to prolong the
issue, hoping the non fault party will lose heart and accept the lowest
value recompense.
This does alter somewhat if a hired vehicle has to be used at their expense.
Make sure this is explained clearly to them.

You may find it in your interest to go to the other drivers insurance directly.
Get all the relevant details from the police ASAP.

Go to outpatients tomorrow and have your injuries checked out and ask for a copy of the notes.

I do not usually advocate specialist legal advice ( ambulance /claims chasers) but your questions show you have little experience in these matters.

Good luck; keep updating.
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Remember; Someone on here always has a blacker cat.

[G]

If one party is charged with that and the other not, I'd expect a lot of insurers would see that as evidence enough their party was at fault.

Of course, it's quite possible he's going to want to fight it - as a taxi driver I expect the claim may well add more to his premium than it's paying out to you. Definite (haha) to him for being an arse about it and getting bitten.

You probably could get a replacement panel sewn in, but if they're not silly-expensive, they'll probably just replace them.

It seems like you've done all the work yourself - I wouldn't bother using a claims management company personally.

[talkToTheHat]

Charged may have been the wrong word. I think Fixed Penalty Notice is the correct word.

Yeah, I've had one previous accident, hospital, plaster casts and a written off 125 all handled by MCE. Claim took ages and Fletchers (MCE's claims monkeys) cannot do simple tasks like read the road markings drawn on the junction in order to work out which way up a map is. Never had to have a vehicle repaired on insurance before.
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Bandit. does. everything.

[G]

Did the driver 'accept' the FPN? (I wasn't aware you could get a FPN for that, but quite possible.)

Oh and the thread title surely needs a...
https://img3.wikia.nocookie.net/__cb20130210193429/vampirediaries/images/5/50/If-you-know-what-i-mean.png

[Kickstart]

[MC]

[Drax]

At no point should you engage the services of a claims management company.

All they do is pass it off to a firm of solicitors whilst taking a percentage of any settlement as well as the solicitors.

Why not approach someone like White-Dalton or some other solicitors who advertise in the MCN? They preach that they are bikers who represent bikers!

Keep us posted!

[Dave70]

When I got rear ended it all went quite smoothly although, the driver admitted he was at fault.

My insurer paid me out (I'm fully comp.) and then claimed it all back from the other guys insurance. They sent a bloke out to examine the damage within a day or two, gave my local dealer the go ahead to do repairs (around £3,000) immediately. The only delay came because of Yamaha took weeks to send some of the fairings, as it's a 50th anniversary model/colours.

I claimed for new trousers, gloves and lid, didn't take the pi$$ with prices, they just asked what make they were and how much they cost as I didn't have the receipts and they paid up without any hassle straight away.

I also claimed for a hire bike, as it's my only means of transport. Again, I had no problem with this, just gave them the receipt and they coughed up.

The only part that took a bit of time was claiming for injuries but, that was largely due to being referred to a private consultant, who then had to request my medical notes from A&E who first had to have my written permission. Then I had to wait for an appointment from the consultant and for him to submit his report. This part of my pay out took around three months and was what I would call a reasonable amount, as I wasn't too badly hurt.
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There ain't no devil, there's just god when he's drunk.

2012: R125 killed by white van. 2016 R125 killed by 30,000 miles of redline. Current: 2016 Kawasaki ER6f.

[Wonko The Sane]

I got nudged from behind by a driver who skidded into me at a junction

He accepted fault at the scene but as I needed a courtesy vehicle I went insurance, talking to his insurance and informing my own.

they accepted responsibility but took their time sorting someone to come collect my bike so I took it to the chap I normally have it sorted by, he doesn't do bodywork just the mechanical side but was able to give an assessment of my bike's state.

"it's tatty but looked after, solid reliable mechanical condition and now with cracked bodywork £XXX to repair"

this info made the insurance company choose to just pay out allowing me to get it repaired / do the work myself (I'd mentioned the ability to get second hand panels in conversation with the insurance) and they didn't write it off.

a few weeks on my shoulder was giving me a lot of problems (had mentioned in initial conversation back / neck / shoulder pain and had been diagnosed with whiplash at A&E on the day of the incident) and have had physio paid for by the insurance company also.

I had a call a week or two about asking how things were, if physio was helping (it was) and told they'd be in touch in a week or two to see how i'm getting on and if injuries have settled down to hopefully finish settling the injury side of things. (my assumption is they want to see that I'm not going to be turning round and saying something else is wrong after they've settled)
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[talkToTheHat]

Hmm, much hard sell from BLD swinton's bike claim manager people. According to them I'm stuck dealing with BLD managing the claim whoever sorts my bike.

Much hard sell with offers to not charge me the excess whilst liability is sorted and very vague promises of a hire bike and much "I'll just ask my manager" as I asked questions as to the potential of the hire bike costing ME money.

I've booked the bike in at my local independent to get it checked out for anything mechanical and/or structural that I didn't spot, that will likely be pocket change.

Vague guestimate maths:
2 indicator assemblies £40
1 rear indicator stem £10
Ankle shield thing that keeps right foot off of hot bits: £15 good condition used, maybe £30 new
Footpeg £It's a footpeg, they scrape once in a while
Brake pedal £20 or less used, can't find a new on online, probaly less than £50
Number plate £10ish for another flexible shatterproof one
Number plate bracket: fixable with hammer and paint, or probably under £20 to replace
Brake lever £10
Bar end weight £10

Small stuff above: Under £200. An hour or two's labour @ £30

Rear fender: Unbending and respraying should be less than £250. I can source a used one that will be mostly unbent for about £50 i think.

Scrapes on my exhaust: not sure if insurers will spring for a new one, genune parts are a full system only at £700ish + vat and fitting. A motad one might be £500 fitted.

Complications of restriction washers in *exhaust* will add much monies, should I offer to wait until december if that is to be messed with?

Am I in danger of BLD trying to write the bike off if I let them get anywhere near it? It's worth plenty to me as a running bike with all the little mechanical niggles sorted out, she runs well, starts first try and is now quite a dependable bike.
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Bandit. does. everything.

[woo]

call rider support services on 0203 627 7967, https://www.ridersupport.co.uk/Contact.shtml

call them even for a friendly informative chat

you can choose whoever you want to handle your case, your people sound like fools which will not be good for you
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Elen sila lummen omentielvo!

[dydey90]

If they write it off, surely just take the money, stick it in your savings and then buy back the bike and repair it yourself for minimum cost?
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This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[_Iain_]

[talkToTheHat]

Spoke to Highway who underwrite both my policy and his. Apparently liability is not being contested, got put through to the third party claims team, was pretty much a case of take the bike to a garage and have them send us an estimate, we'll give you a hire bike if you want one as well. Dead easy.

BLD are just my policy's favoured people for fixing bikes and hiring bikes out, they'd probably do a good job on turning around a newer bike made of much plastic, but the girl on the phone have me so many evasive, sales talk, or incomplete answers that I got put right off.

Hopefully there won't be quibbles on the quotes and things will go smooth.
____________________
Bandit. does. everything.

[iooi]

[MC]

[talkToTheHat]

To clarify, taking his photo and calling the police produced some scribbled information from his wife.

This was followed by with accusations that I was some kind of immigrant scammer and the assertion that no-one carries ID or insurance documents with them in case they get stolen by <insert paranoid racist rant here>. I produced my photocard from my wallet, and a packet containing counterpart and photocopies of MOT, Insurance and restriction certificate and offered to find two other forms of ID from my luggage. This produced more hysterical ranting. I wish I had videoed it, it would have been most entertaingin.

Well, there's a quote from my local independent sent off to his insurance yesterday £1400ish. All cosmetic. Engineer due to verify this next Wednesday. Looks like write off and retain time.

I take it I should have a selection of similar aged and condition bikes offered for sale on reputable sites at or above what I want for the bike. Book value is insulting and krusty non-runners go on ebay for more than that.
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Bandit. does. everything.

[Wonko The Sane]

I got £1400 paid out for mine, not written off so no buy back deducted

They never inspected, they took my mechanics assessment as they'd worked with him before
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[talkToTheHat]

Could it be related to the assertion made on scene by the driver that hit me that "you've only got a bent numberplate"?

As an aside, how much to sort his 'no damage' front end? Any guesses? Bumper appears to be standing proud all the way round and there are bits of smashed out blanking plate in the road.
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Bandit. does. everything.

[DottyDuck]

[MC]

[talkToTheHat]

Well the engineer came, had a cursory look at the bike, took a photo of the VIN, and left quickly. Is that how these things usually go?

How long before the insults as to the motorcycle's value start? Figures from the nearest model on Glass's guide won't even buy a parts bike.
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Bandit. does. everything.

[MC]

Yep. Engineer turned up, took a few photo's and left. You might be pleasantly surprised, my bike was valued at top dealer price (nearly a grand more than I paid).
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04