had a crash-help me guess settlement figure?

[RobinArcher]

Hi I am brand new on here, only ridden 3k on my ybr125 till it got smashed up by a driver who pulled out on me.
Turns out he never did look right and he took his wifes word for it that he should pull out. I was doing 30 max thru a village on the otherwise great fun a267 from tunbridge wells south through Frant.

So my bike may be a write off due to banana forks etc. and I am hobbling about with a bashed up left knee. Besides that I am a bit sore and strained but hopefully will only miss a couple of weeks work.

Anyone fancy making a guess at how much compo I can get? The other driver accepted responisiblity and it is going through my insurances solicitors (fletchers)

Other points in reflection of the accident for what they are worth:
I was wearing a bright orange hi vis which was worthless as he never even glanced in my direction.
I hesitated to beep at him when I first saw him out of not wanting to be rude...
He pulled out right across my lane so quickly i had about 3m to stop, and I failed to use my back brake.
So I conclude I should have been more assertive with the horn and will be in future, I will have a louder exhaust on my next bike to make sure people hear even if they don't see.
And I will make sure my right foot hovers on the back brake any time I am near intersections, and train to get my responses as sharp as possible.

Any other comments?
____________________
Yamaha YBR125

[P.addy]

No broken bones?

Bike, £1400 and injuries £3000 estimate.

[Doovy]

[Andy_Pagin]

[RobinArcher]

thanks to both

when you say bike 1400 is that a guess at the bikes value or standard replacement cost? it is a ybr125 2010 with 17k on it
____________________
Yamaha YBR125

[P.addy]

Insurers and that like seem to pay over the odds for vehicles. Like my ped was paid out after being stolen and was silly priced My 2001 125 in 2008 was smashed in to and I got paid £1095 for the bike, I paid £600 for it

Book value.

[stinkwheel]

I personally would prefer to put all my concentration into braking, not sounding the horn.

If you're braking hard, I have no problem with sounding the horn at the same time if you find you have the mental space to do so. If nothing else, it makes potential witnesses look at you.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Robby]

You don't have to go through solicitors, or even your own insurance company. You can deal direct with the other person's insurance company, this is particularly easy if the other person has told them about it and told them he admitted blame, or if blame is clearly obvious.

Dealing direct is quicker, you can get your payout in less than a week. They might not deal direct over the injuries, but probably will over the bike.

I think Paddy's estimation on the injuries is a bit high. It's easy to get 1000-1500 for just about anything - a gentle rear end knock and a sore back for a few weeks afterwards can get you a grand. More than this they tend to require medical reports, you will be sent to private doctor for an assessment. With no broken bones and just soft tissue damage I wouldn't be expecting much of a payout.

Remember to claim for your gear. Protective equipment is only meant to survive a single accident. It will work afterwards, but probably not as well.

All the stuff about how it happened, the other side not paying attention etc - that is only useful in establishing liability, it has no impact on the size of the payout.

[Andy_Pagin]

I'd guess a grand absolute max for the injuries plus the current value of the bike. Payout should be fairly quick since the injury's effect will be predictable, with serious injuries it can take years as you can't tell straight away what the long term impact will be.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[P.addy]

[Pie-Roe]

I got 4800 for a bruise and a painful kneecap for 3 weeks once.
____________________
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

[TheArchitect]

As has been seen on many occasions (youtube videos) it's not always possible to reach for the horn in certain situations. When in the last moments before impact most people's first reaction is to reach for the brakes and/or concentrate on avoiding measures rather than letting the other driver know you're about to splat into them.

To be fair it sounds like you had little to no time to stop. Could be down to you not anticipating the car pulling out, or the car only became visible moments before impact.

Re hi viz, imo it's over rated. A loud exhaust and an attentive rider is much more useful in my view.

Good that you're OK though.
____________________
GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[Baffler186]

I don't know anything about the insurance side of things, but as far as loud exhausts go, I think only the really loud bikes are capable of actually penetrating a cage and making people look. You're not going to get that from a 125. It might have some effect on pedestrians waiting to step out, but remember you have distance and windows and the radio to get through before it gets to the drivers' ears.
____________________
Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic

[RobinArcher]

thanks a lot everyone who has replied already, i can see i will probably get a lot out of this forum. hopefully i will be able to contribute well myself in time. cheers
____________________
Yamaha YBR125

[zark]

why was the passenger looking right for him...?

Inb4 poor obs - congrats on not getting fully deaded
____________________
CBT - Oct 13. Theory - July 14. Mod 1 & 2 - June 15.
Rides a Fazer like an idiot... Edit: Now ride a Fazer Thou...

[Fidge]

You should never hesitate to use your horn, I find it hard to imagine how this happened, at 30 mph can't you swerve out the way or do an emergencey stop?

Loud pipes usually direct the sound behind the bike so I doubt it would make much difference.

If you were doing a smidsy manurvre you'd be half way on swerving out the way anyway.

[Pie-Roe]

[T.C]

[quote="Doovy"]

[-]

[P.addy]

[Ste]

Be wary of putting faith in the idea that people will see you if you've got a loud can.

https://www.telegraph.co.uk/news/worldnews/europe/germany/11645219/British-tank-crushes-German-teenage-learners-car.html



The driver might have admitted fault but have the insurance company admitted liability?

[Wonko The Sane]

[Chuffin Nora]

[Hetzer]

I've just had a settlement of £6600 for a broken sternum and whiplash.

[Iain.]

Is really impossible to judge.

Depends how well you heal, I crashed last April and am still being tested and such. Have now had four medicals with two doctors and a surgeon, a psychological analysis & am now told I need an MRI scan done to assess the state of damage to my knees as they'd expected them to heal up and be normal rather than deteriorate.

See how it goes