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Tierbirdy |
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Tierbirdy Spanner Monkey
Joined: 25 Jun 2014 Karma :
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Posted: 12:26 - 28 Mar 2017 Post subject: got hit & run, not a potato, what do? |
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As seen over yonder, I got twatted off last night.
So question is, what do?
Popo are already involved they were at the scene. Got the fuckers reg plate, though at the time I didnt realise theyd actually made contact with me, so I told the plod that what I thought happened was the 3rd party cut infront of me, and I had the choice to either definitely crash into the back of them, or brake hard and hope not to drop it.
I thought it was strange, Ive locked up wheels braking hard before and managed to recover it, this felt nothing like that, one minute I was upright, the next Im sprawled all over the road. On viewing my helmet cam footage, it shows they did clip my front wheel an thats why I dropped it.
Ive heard all sorts of horror stories about getting shafted for hire bike replacement costs, incompetant claims handlers, people saying to not bother with insurers nut go direct to a specialidst motorbike solicitor etc and dont really know what to do, Ive never done this before.
So what do I do? How do I minimise my losses and avoid these nightmare stories, and most importantly maximise my payout?
Im insured TPFT with Carole Nash. Ive started the claim with them already, Ive got legal cover too and theyve been in touch. |
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woo |
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woo World Chat Champion
Joined: 14 Feb 2005 Karma :
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owl |
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owl World Chat Champion
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 12:32 - 28 Mar 2017 Post subject: |
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It's nothing to do with your own insurance. |
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owl |
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owl World Chat Champion
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arry |
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arry Super Spammer
Joined: 03 Jan 2009 Karma :
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Posted: 12:36 - 28 Mar 2017 Post subject: |
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https://www.askmid.com/
Use the Roadside service; get insurer details, submit claim directly to TP insurer informing them that a) you have video evidence, b) their driver left the scene of the accident and are likely facing prosecution, c) you have not enacted any solicitors to work on your behalf at this moment in time and, subject to their swift acceptance of liability and their furnishing you with a hire vehicle, you won't be instructing solicitors at all, unless they start to dick you around with the personal injury element of your claim. |
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Tierbirdy |
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Tierbirdy Spanner Monkey
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Rogerborg |
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Rogerborg nimbA
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B5234FT |
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B5234FT Brolly Dolly
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Tierbirdy |
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Tierbirdy Spanner Monkey
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Andy_Pagin |
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Andy_Pagin World Chat Champion
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Rogerborg |
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Rogerborg nimbA
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arry |
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arry Super Spammer
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rpsmith79 |
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rpsmith79 World Chat Champion
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arry |
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arry Super Spammer
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rpsmith79 |
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rpsmith79 World Chat Champion
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arry |
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arry Super Spammer
Joined: 03 Jan 2009 Karma :
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Posted: 15:05 - 28 Mar 2017 Post subject: |
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rpsmith79 wrote: |
But he isn't trying to claim on his own insurance, he is using his insurance company to fight his claim against the car driver
How can he make a claim against the car owner if he only has a reg plate to go off |
For the sake of good order, I'll outline what an insurance 'company' is. It's the company providing the indemnity behind the paper. Then there's an insurance 'intermediary' or 'broker' who are the ones placing the client with the insurance company. Then there are legal expenses 'insurers' who provide access to a panel of chosen solicitors to recover your uninsured losses (those which the insurer will not pay for).
In this instance the insurance company are providing cover for third party, fire and theft, and legal liability to third parties - they do not provide cover for accident damage or personal injury to the insured person. They are not concerned with this incident. Their claims handling goes as far as to satisfy the heads of cover we've already outlined. This isn't one of them. The phone would go silent on the other end.
The insurance intermediary will have already, via the 'Legal Expenses provider', have fired up the National Accident Helpline batphone or similar by virtue of the lovely referral fee they'll no doubt be getting paid by the, obviously well qualified and extremely competent firm of choice. These dickwads are interested but only insofar as they want to make coin on fees. You're just as able to choose and instruct your own, more specialist, actually able solicitor and indeed that would be best advice. They will help him 'fight' his slam dunk case and ramp up their fees nicely, which will all effectively come out of his settlement money.
Or, he can decide not to use the mongs that the legal expenses provider, umm, provides, and go direct to the third party insurer (finding the details via AskMID as already pointed out) and then deal with them direct to find an amicable indemnity solution.
But for clarity again, his insurance company will not in any way shape or form provide any indemnity nor assistance in this matter. |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 15:54 - 28 Mar 2017 Post subject: |
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First thing to do is post the video Your insurer will probably refer you to their preferred solicitor (whoever's paying them the most), who will likely be shit. Find out who they're and then find your own. The only reason for using them would be if they have some sort of deal in place which benefits you. I believe ordinarily they want 25%, so if that's waived it might be worth dealing with a shit solicitor, alternatively people have proved on here you can negotiate before they take the claim on.
Hire bikes are a tricky area, but didn't you say your shoulder was dislocated? Ultimately they should be part of the claim, but they're an expensive scam, so you really don't want to be left with the bill for one. As you're not sure who the driver is, and if they're going to own up I'd be a bit nervous about having one.
Also be careful of storage fees. This in no way benefits you, they'll keep your bike somewhere charging the other party x amount per day, then tell you to come and get your bike. If you have somewhere to store it have it recovered to there, you can claim for the recovery fee. |
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Tierbirdy |
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Tierbirdy Spanner Monkey
Joined: 25 Jun 2014 Karma :
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Posted: 17:22 - 28 Mar 2017 Post subject: |
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Regarding the video, some people are saying not to post it online anywhere for ???REASONS???, so should I or shouldnt I? I know you want to see me hit the deck like a beached whale
Carole Nash have been superbly helpful so far, within an hour of phoning them everythings been started. Also legal/personal injury people have said I pay nothing tp them regardless of outcome, no win no fee and if I win 3rd party pays their fees and blood money %.
Hire bike seems to imply that as well, regardless of outcome, I dont have to pay. 3rd party pays, or comes out of my legal cover? Will need to get that clarified first. I dont particularly need one right away, but I will need it when Im fit to go back to work whenever that will be (docs reckon being optimistic 3-4 weeks perhaps?) |
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 18:02 - 28 Mar 2017 Post subject: |
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Tierbirdy wrote: | Carole Nash have been superbly helpful so far, within an hour of phoning them everythings been started. |
What's been started? I'm struggling to think what they've done other than to pass your details onto an ambulance chaser, and perhaps try to rent you a bike at some eye watering daily rate.
Tierbirdy wrote: | Also legal/personal injury people have said I pay nothing tp them regardless of outcome, no win no fee and if I win 3rd party pays their fees and blood money %. |
So, they've started out by lying to you. It's been very nearly 4 years to the day since ambulance chasers could bill the losing party. (tl;dr summary - they can't bill the other party, they can bill you up to 25% of your winnings).
They may have meant that your legal cover would pay them, but that's apparently not what they said. ____________________ 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 |
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Tierbirdy |
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Tierbirdy Spanner Monkey
Joined: 25 Jun 2014 Karma :
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Baggyman |
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Baggyman Crazy Courier
Joined: 20 Feb 2017 Karma :
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 18:29 - 28 Mar 2017 Post subject: |
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They're delivering you a random helmet?
Be very careful with signing paperwork for the hire bike because you do not want to end up being liable for the bill.
It's nothing to do with the broker or the underwriter of your policy. All your legal cover gets you is Carole Nash get paid for referring your case to some paralegal claims management monkeys. They've already shown you their professionalism by bullshitting you about how if you win then the third party pays their fees and they're in the process of stinging you with the hire bike paperwork right now.
The road ahead is not clear. |
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Tierbirdy |
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Tierbirdy Spanner Monkey
Joined: 25 Jun 2014 Karma :
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Old Thread Alert!
The last post was made 7 years, 53 days ago. Instead of replying here, would creating a new thread be more useful? |
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