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Things to check after a head on with a car.

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sjc
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Joined: 09 Oct 2015
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PostPosted: 18:08 - 02 Sep 2017    Post subject: Things to check after a head on with a car. Reply with quote

So this morning I was taken out by a car, impact was pretty much head on as he pulled out from behind a bus straight into me. I would estimate I was doing around 20mph at the time of impact he was doing similar I guess. At first glance the bike seems mostly fine shin patch on the tyre scuff on the fork leg, calliper. And then a graze on the engine case where it hit the deck.
Are the forks likely to be damaged internally? would you replace things like the bars they obviously hit the floor at some point as well. Tyre and wheel?
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choogh
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PostPosted: 18:14 - 02 Sep 2017    Post subject: Reply with quote

Cluck the bike. With a closing speed of 40 mph, what injuries do you have ?
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barrkel
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PostPosted: 18:28 - 02 Sep 2017    Post subject: Reply with quote

If it was really head-on from the bike's perspective, I'd expect the forks to be tweaked at the very least, a slight bend on the stanchions more likely. Easiest way to find out is if it pulls to one side when ridden slowly on flat level ground.

With a hard impact (probably more than 20mph) the triple tree could be damaged or the frame headstock could be out of alignment (i.e. the frame is bent) - if it's bad, the paint at the neck of the frame where the steering axis goes through may have creased or cracked.

I wouldn't expect the tyre or wheel themselves to be damaged, unless you got a puncture, which you'd notice.

All that's inside the forks is a spring, a valve and some oil.
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MCN
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PostPosted: 18:43 - 02 Sep 2017    Post subject: Reply with quote

If you are not sure then take it to a dealer for repair. The other chaps insurance has to pay.

They may well write it off if the frame is damaged.

The problem is that any significant damage can be invisible to then naked (or untrained) eye.

There will be specific 'weak points' to be inspected where forces act. The damage may not affect the front of the frame but forces transmitted through the frame may cause a place at the back to fail.

I would take it to a dealer if I was you.
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sjc
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PostPosted: 21:58 - 02 Sep 2017    Post subject: Reply with quote

choogh wrote:
Cluck the bike. With a closing speed of 40 mph, what injuries do you have ?
seem to just be muscle soreness whiplash, sore back kinda deal. Getting progressively more painful as time passes but nothing broken somehow.
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sjc
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PostPosted: 22:02 - 02 Sep 2017    Post subject: Reply with quote

MCN wrote:
If you are not sure then take it to a dealer for repair. The other chaps insurance has to pay.

They may well write it off if the frame is damaged.

The problem is that any significant damage can be invisible to then naked (or untrained) eye.

There will be specific 'weak points' to be inspected where forces act. The damage may not affect the front of the frame but forces transmitted through the frame may cause a place at the back to fail.

I would take it to a dealer if I was you.

Taking it to a dealer to be inspected seems like the sensible option, will wait to hear from his insurance and go from there, I am happy enough working on bikes but thankfully haven't had to check one out after a prang before so just wanted a bit of guidance. Thanks for the help.
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Tracer1234
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PostPosted: 01:12 - 03 Sep 2017    Post subject: Reply with quote

Sorry to be matey.

Most important thing, above all else, is update the spill counted.

Paint diagram and photos aplenty. Karma will ensue.
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Rogerborg
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PostPosted: 06:06 - 03 Sep 2017    Post subject: Reply with quote

sjc wrote:
will wait to hear from his insurance and go from there

Have you contacted them directly? You don't need to wait for him to get his finger out. If you don't know his insurer, you can find out for £4 (add it to the claim) from:

https://www.askmid.com/askmidenquiry.aspx

You may find that a dealer will charge you for the evaluation. Again, just reclaim all costs. Start keeping a log of any consequent costs that you incur, e.g. travel.

And have you had yourself checked out? Don't assume that pain is just muscles, I'd be amazed if you got away without some snappy-bone. Presumably the bike embedded itself in the car, but what stopped you? Definitely need a Spill Counter entry.
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sjc
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PostPosted: 06:57 - 03 Sep 2017    Post subject: Reply with quote

Rogerborg wrote:
sjc wrote:
will wait to hear from his insurance and go from there

Have you contacted them directly? You don't need to wait for him to get his finger out. If you don't know his insurer, you can find out for £4 (add it to the claim) from:

https://www.askmid.com/askmidenquiry.aspx

You may find that a dealer will charge you for the evaluation. Again, just reclaim all costs. Start keeping a log of any consequent costs that you incur, e.g. travel.

And have you had yourself checked out? Don't assume that pain is just muscles, I'd be amazed if you got away without some snappy-bone. Presumably the bike embedded itself in the car, but what stopped you? Definitely need a Spill Counter entry.

I know his insurer so will call them today and go from there. Not had myself checked out yet as I was on the way to work so felt the need get myself together and go to work. The bike/car is what stopped me I didn't go flying off down the road or anything. I suppose it would be worth getting checked by a doc on monday then?
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Kentol750
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PostPosted: 08:41 - 03 Sep 2017    Post subject: Reply with quote

Make sure you remove any 'accessories' before garage collect. Leave it alone and let insewerants assessor tell you what's wrong. Get medically checked and don't ignore the little pains (+1 Rogerborg). I tore intercostal muscles 7 years ago and rushed back to work...big mistake. Still get twinges now and again.
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sjc
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PostPosted: 09:21 - 03 Sep 2017    Post subject: Reply with quote

Kentol750 wrote:
Make sure you remove any 'accessories' before garage collect. Leave it alone and let insewerants assessor tell you what's wrong. Get medically checked and don't ignore the little pains (+1 Rogerborg). I tore intercostal muscles 7 years ago and rushed back to work...big mistake. Still get twinges now and again.


There is no real accessories on the bike as its a 70s xs750 thats been cafe'd to some degree. It looks mostly fine and I rode it home but still guess it makes sense to get it properly checked out
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Tracer1234
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PostPosted: 13:30 - 03 Sep 2017    Post subject: Reply with quote

How are the testicles?

Get them checked.
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sjc
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PostPosted: 14:53 - 03 Sep 2017    Post subject: Reply with quote

Tracer1234 wrote:
How are the testicles?

Get them checked.
they seem fine I guess I will add that to the list of stuff to get checked out.
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Shinigami
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PostPosted: 16:39 - 03 Sep 2017    Post subject: Reply with quote

one of my forks and the bottom yoke were bent from a sub 30mph impact (don't know actual speed as bike was sliding when it hit so speedo read 0)

that was into a side of a car so from a head on i'd definately be checking both fork stanchions.

one way to check is get it up on a yoke paddock stand, loosen up the axel, loosen up the fork bolts slightly then turn the top cop of each form to the right, if the position by the wheel moves away/toward the wheel then it's bent
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sjc
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PostPosted: 18:36 - 03 Sep 2017    Post subject: Reply with quote

Shinigami wrote:
one of my forks and the bottom yoke were bent from a sub 30mph impact (don't know actual speed as bike was sliding when it hit so speedo read 0)

that was into a side of a car so from a head on i'd definately be checking both fork stanchions.

one way to check is get it up on a yoke paddock stand, loosen up the axel, loosen up the fork bolts slightly then turn the top cop of each form to the right, if the position by the wheel moves away/toward the wheel then it's bent

Its reported to his insurer now so assuming he doesn't try and change his mind about being at fault then I am gonna let them deal with the bike assessment and I assume possible write off because its old and a bit tatty and take myself to the docs to get checked over properly to see what damage I have sustained. Then I guess its just a waiting game to see how much they try and screw me.
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Val
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PostPosted: 22:41 - 03 Sep 2017    Post subject: Reply with quote

sjc wrote:
I know his insurer so will call them today and go from there. Not had myself checked out yet as I was on the way to work so felt the need get myself together and go to work. The bike/car is what stopped me I didn't go flying off down the road or anything. I suppose it would be worth getting checked by a doc on monday then?


Mate I somehow doubt you know better than pros how to make your claim.

Doesn't matter that you go to work and you have not any broken bones the twat still owes you money for the injury and the stress.

Get some decent no win no fee injury and compensation lawyers - it will be his insurance that will pay anyway.

https://www.slatergordon.co.uk/personal-injury/road-traffic-accidents/motorcycle-accident-claims/

Have you called the police and do you have any witnesses?
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Sapolsky
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PostPosted: 08:09 - 04 Sep 2017    Post subject: Reply with quote

sjc wrote:
Shinigami wrote:
one of my forks and the bottom yoke were bent from a sub 30mph impact (don't know actual speed as bike was sliding when it hit so speedo read 0)

that was into a side of a car so from a head on i'd definately be checking both fork stanchions.

one way to check is get it up on a yoke paddock stand, loosen up the axel, loosen up the fork bolts slightly then turn the top cop of each form to the right, if the position by the wheel moves away/toward the wheel then it's bent

Its reported to his insurer now so assuming he doesn't try and change his mind about being at fault then I am gonna let them deal with the bike assessment and I assume possible write off because its old and a bit tatty and take myself to the docs to get checked over properly to see what damage I have sustained. Then I guess its just a waiting game to see how much they try and screw me.


If you think it's going to be a write-off get anything removable off now. When my car was written off I lost a load of stuff (roof bars, luggage system etc.) really annoyed the shit out of me. I'd even taken the roof bar key to the insurer to pass on to the yard that ended up with the car and still never got them back.
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sjc
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PostPosted: 08:13 - 04 Sep 2017    Post subject: Reply with quote

Val wrote:
sjc wrote:
I know his insurer so will call them today and go from there. Not had myself checked out yet as I was on the way to work so felt the need get myself together and go to work. The bike/car is what stopped me I didn't go flying off down the road or anything. I suppose it would be worth getting checked by a doc on monday then?


Mate I somehow doubt you know better than pros how to make your claim.

Doesn't matter that you go to work and you have not any broken bones the twat still owes you money for the injury and the stress.

Get some decent no win no fee injury and compensation lawyers - it will be his insurance that will pay anyway.

https://www.slatergordon.co.uk/personal-injury/road-traffic-accidents/motorcycle-accident-claims/

Have you called the police and do you have any witnesses?
I have 2 independent witnesses yeah, And no I haven't called the police as a friend that works in insurance said it wasn't needed. I have spoken to his insurance so not sure where to go from here. I more meant I was going to let his insurer deal with the bike as thats one less thing I need to do and go get checked out today to make sure there is nothing seriously wrong. As it sure does hurt a lot more than it did Saturday. As of yesterday he hadn't reported it to his insurer and they where going to be calling him to check facts
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stinkwheel
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PostPosted: 10:04 - 04 Sep 2017    Post subject: Reply with quote

sjc wrote:

There is no real accessories on the bike as its a 70s xs750 thats been cafe'd to some degree. It looks mostly fine and I rode it home but still guess it makes sense to get it properly checked out


Brick shit house of a bike with super chunky forks. How's the car? I'd imagine you had to drag the upright bike out of a huge v-shaped dent in the bonnet? Check the yokes and fork leg casting where the pinch bolt goes through for cracks.

I remember a mate writing off a ford Transit with a GS850 and riding it home. Need the forks rolling as I recall.
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Val
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PostPosted: 11:48 - 04 Sep 2017    Post subject: Reply with quote

sjc wrote:
I have 2 independent witnesses yeah, And no I haven't called the police as a friend that works in insurance said it wasn't needed. I have spoken to his insurance so not sure where to go from here. I more meant I was going to let his insurer deal with the bike as thats one less thing I need to do and go get checked out today to make sure there is nothing seriously wrong. As it sure does hurt a lot more than it did Saturday. As of yesterday he hadn't reported it to his insurer and they where going to be calling him to check facts


Somebody needs to take care and make the claim for you. You can't let the other person insurance do that for you. Legally you are not related to them.

There are three ways to deal with that:

1. Your insurance after you make claim usually appoints some lame paralegals to handle that with the other driver insurers.
2. You get some lawyers to handle that for you and contact the other driver driver insurance
3. You do that - I mean you need to know how to handle the process, send letters etc to the other driver insurance

The claim will not be solved by itself. That is why I suggested use point 2 option which is anyway the best one.

And as I have said despite nothing broken you still can get some compensation for your injury. That is more than fair IMO.
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stinkwheel
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PostPosted: 11:52 - 04 Sep 2017    Post subject: Reply with quote

A lot of busses have CCTV cameras. If you know the place and time, get that subject access request in.
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Qyburn
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PostPosted: 14:45 - 07 Sep 2017    Post subject: Reply with quote

Val wrote:
Somebody needs to take care and make the claim for you. You can't let the other person insurance do that for you. Legally you are not related to them.

It's perfect permissible to contact the other party's insurer directly. The only gotcha might be if the accident hasn't already been reported by the driver, or if his account is such that they don't accept liability. Aside from that the relationship is perfectly straightforward, you're representing yourself and the insurer is agent for the other party.

Going through your own insurer means making a claim, in the hope that they'll make the effort to reclaim everything from the third party. Definitely not the route I'd choose, having once done so in the past.
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