I don't want to claim - Will my insurance have mercy?

Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

Got into an accident earlier. I'm almost certain I wasn't at fault. The damage to my bike isn't too bad. The damage to his car involves a few dents and a few scratches. He'll say I was at fault. I'll get a call from my insurance in the morning and I'll tell them that I don't want to claim

So yeah I'm completely fine and my bike's brake lever is bent and there's a few scratches on the fairing along with a few more minor things. It runs well as I rode it home.

My camera was on but it wasn't recording. Embarassed

Currently got 1 years no claims and I'm still on L plates.

He's claiming against me. I've never been in a situation like this before.

What's next? (I assume he'll win and my premium will go sky high).

Thanks

CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

If you are certain the other dude is a tosser, phone your insurance company right now and tell them everything.

Do not say "i'm pretty sure it wasnt my fault"

Say, "I am certain I am not at fault"

Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

AdamEf · Nova Slayer Joined: 19 Dec 2015 Karma :

Do you have any independant witness's that can verify your version of events?

Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

Wonko The Sane · World Chat Champion Joined: 20 Jan 2013 Karma :

Write down what happened and do it now

this is now, in your memory what happened, do not deviate from it.

If it comes down to your word vs his then liability may be split, for example 50/50 where the insurance split the claim between them.

as you say you're not at fault, your insurance should be looking for non-fault
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Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

groovylee · World Chat Champion Joined: 20 Nov 2011 Karma :

the last accident i had, I was at fault, but as i didnt claim my no claims was left intact.

still had to declare the accident for the next 5 years though Evil or Very Mad

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CaNsA · Super Spammer Joined: 02 Jan 2008 Karma :

DJP · Crazy Courier Joined: 11 Dec 2011 Karma :

If I simply fell off or knocked the bike over, then I'd probably just fix it myself and not bother claiming.

But if another vehicle is involved, I'd bung in a claim straightaway (whilst denying all liability). It's just too easy for the other party to lie and come out with all sorts of shite and it's better to let the insurance deal with that kind of nonsense.

I just don't need the aggro.

(Caveat: I'm old and farty and my insurance is dirt cheap, so I'm not going to dick about trying to save a year's NCB).
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Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Get down to your local walk-(or hobble-) in minor injury unit about the knee.
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groovylee · World Chat Champion Joined: 20 Nov 2011 Karma :

.Bishbash. · World Chat Champion Joined: 06 Sep 2010 Karma :

Can you tell us what happened?

Also, Cansa's advice is spot on. Don't be scared of the insurers, if you are unsure on anything they say, quesiton it, get them to explain everything. And what ever you do, do not accept the first offer.
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bladeblaster · Trackday Trickster Joined: 19 Jan 2015 Karma :

Not much to add to what has already been said.

The insurers between them will decide who is liable, just contact your insurance tell them what happened, and let them argue over it.

bladeblaster · Trackday Trickster Joined: 19 Jan 2015 Karma :

Silver_Fox · World Chat Champion Joined: 03 Jun 2015 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

How peculiar. I had no idea that some insurers treat NCB that way. Thinking

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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

Silver_Fox · World Chat Champion Joined: 03 Jun 2015 Karma :

If you claim, or someone claims against you, you will always lose NCB (unless you have it protected)

If for example you had your bike stolen, informed your insurers, but then found it yourself and didn't make a claim, then you wouldn't lose NCB, because you've not cost the insurance company any money by putting in a claim. However they will then have on record that your bike is at an increased risk of theft and almost certainly raise your base premium (before NCB discount) at renewal time
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Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

Spoke to the insurance. They said it's likely to be my fault.

Here's what happened:

I was at a set of lights, and he was already making progress ahead of the lights. The lights went green, I was about 4 car lengths away from him, he did indicate to turn right, but he didn't turn, a considerable distance later he inches left (maybe slightly the line into the bus lane) and swings right without indicating. At this point, I'm on the horn and braking. He didn't clear my the lane and next thing you know I'm on top of his car. I wasn't able to swerve to the left because the gap between parked cars and his car was too small.

Doovy · World Chat Champion Joined: 21 Jul 2008 Karma :

So you were following a car indicating right and acting suspiciously, eventually hitting it when it did turn right?

Right Neutral

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Silver_Fox · World Chat Champion Joined: 03 Jun 2015 Karma :

.Bishbash. · World Chat Champion Joined: 06 Sep 2010 Karma :

I'm a little confused, you were behind him or approaching him? What type of road/junction was it?

EDIT: Sounds more like behind, if so, might be your bad!
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Kaya75 · Trackday Trickster Joined: 11 Jan 2015 Karma :

Paint Diagram needed - glad you are ok - how's the knee tho?

did he turn right into you, or did you overtake him or did you smack his O/S rear quarter?

Good luck with your insurance Thumbs Up

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RedPanda · Could Be A Chat Bot Joined: 07 Oct 2014 Karma :

MS Paint will end this confusion. Sort it oooouuut.
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Snop Doog · Brolly Dolly Joined: 28 Jul 2014 Karma :

So to clear things up, I was behind him, caught up to him from a set of lights.

He stopped indicating after making no attempt to turn. A considerable distance later he dipped left then swerved right.

At the point his car was horizontal, I just couldn't stop, hence how I hit the side of his car in the rear area (above the wheel)

Wasn't overtaking, was just on the right side of the lane.

Paint diagram. Also, you see that gap behind the truck and the car behind it? That was roughly the size of the gap he used to pull that move.

I wasn't beside him, but behind him, approx 2 car lengths.

https://i.gyazo.com/8472c5980be07201216ef65ca71454b9.jpg