First spill

[BillyJ]

So I had my first accident today in nearly 3 years of riding!

Big black car sideways in road, didn't see him till too late due to him not having any visible lights. I went for the small gap in between the front of his car and the parked cars but he didn't see me and was doing some maneuver(possibly 3 point turn...), he slowly moved closer to the parked car and caused me to be pinched.

I couldn't go round the right as oncoming traffic and didn't want to go into the side of him so went for space as after trying I realised I wasn't gonna stop in time, actual collision was only about 15mph so I kept the bike upright and got away with slightly bruised, crushed, sore knee.

I am in blue, he is pink... and collision is green.

https://i844.photobucket.com/albums/ab5/billyjeans1/collision2ndjan_zps43663d08.png



In this a simple case of I should be able to stop in time therefore my fault?


Rogerborg... Please tell me what to say to insurance
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[TheArchitect]

You should have seen him and been prepared to stop seeing as you noticed he was carrying out a manoeuvre.

[edit]

Well done for keeping it up.
____________________
GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[BillyJ]

[covent.gardens]

It's generally the person doing the manoeuvre that is at fault, but it sounds like you probably could've avoided it if you had been on the ball, as you say he was moving slowly and you didn't see him in the road at first (I find it hard to believe he was completely invisible ), nevertheless you'll probably win the claim if you make one. I wouldn't word the insurance claim how you've worded it here, mind - you don't need to lie, but there are different ways of wording things.

[BillyJ]

[Ste]

[BillyJ]

[Ste]

How fast were you going before braking?

[BillyJ]

[covent.gardens]

[BillyJ]

That is genuinely very helpful! if you want to add some more please do, but seriously thank you so much!
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[covent.gardens]

Sometimes putting too much detail can hang you - you won't need much more, unless you can think of something that makes you sound good. If it doesn't help you or make you sound good, leave it out or reword it.

If I add anything else I'll put it in bold

[BillyJ]

Ok cool,

and what do I say before that?

"A claim will be made later today here is my argument"
or
"I want to make a claim"
or
"Fuck this ho, here's what happened"

EDIT:
If it helps I didn't just clip the front it was more of a scratch down the side... his car was probably rotated slightly more clockwise than my drawing.
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[covent.gardens]

What insurance cover do you have, TPO, TPF&F, Fully comp etc. Legal cover?

Have you had any contact with insurance yet? What was said?

Do you know if he's trying to claim off you yet?
Roughly how much damage has he caused to your bike?

[BillyJ]

[BillyJ]

Just checked and I have legal as well!

Does that change anything?
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[covent.gardens]

As he's claiming then you're quite right, you need to give your version of events to your insurer pronto. Tell them confidently and adamantly that you reject any blame and wish to make a claim yourself, see what they say, they'll probably send you paperwork to fill out after asking what happened over the phone. Keep it sweet: none of this "He was in the road and I did not see him" crap You were riding down the road, he pulled out, boom.

If you're TPF&F without legal cover they might say sod off to helping you claim, but they should still be interested in rejecting his claim. But you might find they help you anyway.

[covent.gardens]

Legal cover makes it more likely they'll help you with your own claim IME. So probably a good thing to have.
(Bear in mind some insurance companies always will be shit, no matter what options you have, and sometimes you have to put in some fight. You'll just have to see how it goes. )

[BillyJ]

Thanks so much and so he pulled out without lights not he was there and i didn't see due to no lights?


Sorry for dumb questions I just really cant afford to lose my no claims.
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

[Nobby the Bastard]

[covent.gardens]

[BillyJ]

[covent.gardens]

If you're happy you've got your story straight then yes. It's late so I'm sure they would understand if you only wanted to give a brief account (You were riding along, he pulled out...) and you can give a more detailed account later.

[iooi]

[covent.gardens]

Just because you can see a car start doing something dangerous and stupid doesn't mean you are at fault for not stopping, otherwise there would be NO non-fault accidents, ever.

Obviously OP was very close to him when he pulled out. Otherwise he would have been able to stop, right OP.