Not my fault

[inkspot]

Unfortunate to be involved in a accident .. While stopped behind a van on dual carriageway,Iwas hit from behind by the knock on effect of a car failing to stop four cars behind.
Damage minimal but im a little bruised ,i have an excess of 300 pound im told if i claim i will lose my no claims bonus surely this is not correct

[BikerBen]

I believe it is Wether the accident is your fault or not, it still fucks your no claims bonus.

I am sorry to hear about this mate, hope you sort it out soon!
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Now proud owner of a 1999 ZXR 400

[flat spot]

You won't lose your no claims as you're claming off someone else's insurance.

[Minky_monkey]

I think what they do is suspend it until it's decided whose fault it is. Clearly it isn't yours by the sound of it, but it is standard practice.

[cqueen]

dont claim on your own insurance because it wasnt your fault, claim on the guy (or gal) who caused it!

[landy.s11a]

Have you got any form of legal help built into your insurance policy?

Lee

[Born2bVile]

You will not lose your no claims bonus if the accident is

1) Not your fault
2) The damages are claimed from the other persons insurance

Dependant on wether you are covered fully comp or not, the repairs to your bike will be done on your policy, with you having to stump up the Excess to begin with.

The claim is then passed to a firm of solicitors (you can choose any firm you wish), who then claim back the full amount of the repairs from the other drivers insurance, refund you the excess and your insurance company gets back the repairs they originally paid out.

Your no claims bonus is then reinstated. It is worth getting this in writing at the conclusion of the claim.

Cheers,

Byrnie.
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NABD Treasurer
National Association for Bikers with a Disability
Reg Charity No. 1040907

[Villers]

PLUS if it was a knock on crash, i.e multiple cars in a line then the person who was hit first can claim off who hit him, but the guy who was in front of him claims off the guy who was hit first. This happens all along to the front up to the last person hit. It stinks but thats the way it is. I think by the letter of the law the others should have left a suitable gap to prevent hitting the car in front and had the handbrake applied.In one of them crashes, unless it was dangerous driving, everyones insurance bar the final bloke gets effed up.

When you make your cliam against the car that hit you make sure you don't forget to include your personal injury claim, its one of the reasons insurance is so high. If you are paying their inflated prices to cover it then you might aswell benefit from it!

Good to hear your not hurt though
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[Kickstart]

Hi

It will go along the line with each person claiming off who went into the back of them, so the van you were pushed into will claim off you. Your insurance company should claim for that and the damage to your bike off the vehicle that went into you, etc.

You should not loose your no claim in the long term, but it might well be messy and take time to sort out.

All the best

Keith
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