Bloody Accident!

[headlamp]

Fortunately no blood but bloody annoying!! I was waiting to join the North Circular Road near Golders Green in North London, when a woman in a black Toyota shit bucket whacked me from behind. Luckily the impact caused me to drop the clutch and she pushed me into the slow lane of the road & nothing was coming. The back wheel locked and over I went.

I was not best pleased

The damage includes scraped can, scraped engine casing, bent back brake pedal, also where she hit me, the indicator was taken off. After exchanging details, I got on the bike and it rode OK. Took it to LMC in Chiswick and the guys there reckon £500 to replace the scraped parts and brake lever.

A claim will cost me my NCB. So....advice time, do I ring her and giver her a choice. Say to her send me a cheque for £500 and call it quits or I phone my insurance company, the police and get her done for driving without due care and attention??

BTW I'm fine, just v. peed off!!
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Using a mobile phone while driving a car should be made a capital offence!

[Gracie Jones]

If it was 100% her fault, which it sounds like it was, you won't be claiming on your insurance, but hers, so it won't loose you your NCB.

Sorry to hear that. Glad you are ok and mostly cosmetics.

Luke

[emszxr]

stupid woman, what the hell was she doing applying her make up. i am a woman and even i get really pissed of at 'women' drivers.
i would call her up and give her the option, if you say police she may well give you the money but will probably want a written quote from the garage

hope you get it sorted out soon, seen as we are suppose to get a good biking summer

[map]

[Gracie Jones]

Map, you may have a point on the accident records point, but surely there would be no need to pay any excess, because Headlamp would not be claiming on his insurance - the driver would have to pay the excess because it is her insurance as her fault - no?

Luke

[steveh]

i say your plan sounds good, and she'd probably agree as it gets her off the hook aswell, altho you could go the whole hog and get some compo for your next birthday


Steve.
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Current : 06 Zx10r, 07 Wr450f SM, 74 850 norton commando, 63 bsa b40, 1962 Triton 650, 67 Triumph Tr6r, 1955 Triton 750, 1978 TY250E.

[Pat172]

i had a total write off on my scooter the lady admiteed it was her fault and my insurance didnt care coz as far as they were concerned legally i was in the right....

my insurance helped me get the payout from hers and bam bam i still got 3 years NCB and a payout

fone your insurance, explain and there is no way she can say it was your fault since she hit u up the arse.......
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- Suzuki Bandit N600

[steveh]

she should of been at a safe distance at a safe speed, the 2 second rule isnt just for bikers


Steve.
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Current : 06 Zx10r, 07 Wr450f SM, 74 850 norton commando, 63 bsa b40, 1962 Triton 650, 67 Triumph Tr6r, 1955 Triton 750, 1978 TY250E.

[headlamp]

Thanks for the advice guys (and girls). I rang her - quoted £450 to call it quits otherwise I go for my 'uninsured losses' as well...she said that she'd get back to me. If I haven't heard from her by 4pm then it's with my insurers - as I have legal protection as well then I can claim for the stiff neck I have now, new helmet, jacket, boots, tear in my flourescent jacket & general disruption to my life.
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Using a mobile phone while driving a car should be made a capital offence!

[Harold_Shand]

It's all her fault! Do get the insurance companies involved, you could fucking clean up here.

Get to your GP and complain of a bad back due to the accident.

Cooor, lovley! Every cloud, eh?

[Major_Grooves]

^^^^^agreed!

The £450 is just for the bike. You probably need another £500 of equipment replaced not to mention compensation for your injuries.

Go through the insurers! Any witnesses?[/list][/list][/i]
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About me|@Major_Grooves|My company|Digg|Flickr

[mchaggis]

I'd go through the insurance, but don't take the piss inventing injuries and magically broken pieces of kit. It's not a magical never ending pot of money, it's everyones premiums which pay for it.
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I must not be a troll...
Mmmm, Guinness
Discovering the delights of Hammerite and a 3/4" brush.

[WATCHOUT!]

[headlamp]

I work with Mike106 and he suggested spending the afternoon in casualty because I have started to stiffen up. I can then claim for 'personal injury'. To be honest it's just 'old age' and pulling of the muscles as a result of the lurch when she hit me.

She hasn't called back so I will ring Bennetts this afternoon and go through the 'proper' channel. It will be her insurance premium that will be hit & I will get her for uninsured losses, being an honest sort of person I won't invent anything, but my helmet (maybe) did hit the road and there is a hole in my jacket and my boots are scuffed.
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Using a mobile phone while driving a car should be made a capital offence!

[MikeyC]

Go to casualty! If you need any witnesses, I can be where you crashed if you like? I saw it all, honest!

Still think you should go get checked out, I can see a whiplash claim coming on....

[tintin]

Don't exagerate any injuries or damage it's not worth the hassle. Give her one more phone call to pay up, she may have not told hubby yet, and then get a claim form. Claim for your jacket if it's damaged and the helmet if it hit the ground.

You still have to report the accident for 5 years when you re-new your insurance so if you can avoid this then it's always an advantage.
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The older I get the better I was

[biker-bev]

Phone her and give her two options

1) you do it all through the insurance

2) you send her the recipt and she pays it

She will go for option 2 because if it is done through the insurance the premium will go up, lose her N.C.B etc.

If the transaction os done through insurance this will take ages and they will charge you for all sorts of small things.
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Proud owner of a Motorhispania RX50
https://www.bikepics.com/members/bikerbev/

[MikeyC]

Assuming she has insurance in the first place....

[EuropeanNC30R...]

I'd go through the insurance. Doing it directly is a risk as you never know what hidden damage the bike may have, slightly twisted subframe perhaps?

A couple years back my Dad got rear-ended on a roundabout. At first it looked like a simple dent in the bumper, until he realised something was wrong with the boot not closing properly sometimes. The impact had done a lot more damage than that was immediately visible. Cost the other guys insurance £1250

[tony532]

just go through insurance mate

as you seem to now want to take a grands worth of money off the woman which isnt going to happen


you will have to wait a year or two for a payout


but they will send you to a consultant and you can then play on it all you like


and then her insurance will pay out

[headlamp]

Well, I have rung the insurance,have a claim number and mentioned my uninsured losses. She rang me to say that she'd be in touch with the police and they'd advised her to do it through the insurance.

I guess she reported that a stupid biker, pushed his bike up a hill, backwards, and then bumped into her front bumper on purpose then fell off. Anything else she's incriminating herself for driving without undue care and attention!!!
____________________
Using a mobile phone while driving a car should be made a capital offence!

[tony532]

you have to report it to the police as well

not sure if you have already

they will have an incedent number now


your solictor will ring her and ask her if she accepts liability

[Stu_666]

Its a shame when people try and wiggle out of something which is clearly there fault, as it sounds like she might try to be doing.

Remember to keep all receipts (even stuff like bus tickets which you had to use when you picked the bike up etc) and also, if applicable, the insurance excess invoice if you have to pay one as you can claim that back off her insurers as an uninsured loss.

Glad to hear your okay though from being rammed up the arse

[scottiel]

100% she is to blame, let the insurance company sort it out. oh what about the whip lash that has suddenly appeared. It can take up to 4 days for the effects of whiplash to set in, go to your doc and say you have neck and back pain with headaches.

[headlamp]