Bloody lorry drivers!

[tintin]

THERE IS AN UPDATE AT THE BOTTOM OF THIS THREAD

I was parked in a bike bay in London on Friday and was the second bike in the bay. When I checked the bike at lunchtime I found that a lorry had come round the corner and knocked a VFR over onto my baby.

Result was a busted mudguard, bent clutch lever, scratched fairing and fork leg, also the bit of plastic on top of the radiator was scuffed.

Luckily some guys in the pub opposite witnessed it and took the lorry's number. To be fair the lorry had also stuck a note on the VFR (he had a busted fairing and broken mirror).

I spoke to the company but there were a bit shitty and started talking about insurance companies contacting each other and the 'alleged incident'. Why can't people who damage your bike just say sorry and offer to pay to fix it instead of acting like arseholes?

Got to get some part costs, I don't know if they will pay for the fork leg, the scratch is pretty faint but I know it's there and it pisses me off that the bike was perfect before this prat came along.
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The older I get the better I was

[G]

[tintin]

I don't want to make a claim off my insurance though as it will just push the premium next time I renew.
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The older I get the better I was

[G]

You won't be.

You will be making a claim of their insurance.
You can make the claim direct, rather than going through your own insurance. However, if you have legal cover, or even if you don't, I suspect your insurance company may well help you out anyway

Even if you had Fully Comp, the claim would go against yours, then claimed back off the other insurance and your NCB would be reinstated and you wouldn't have a claim against you.

[mrtEE]

[ColdInsomnia]

If a RTA (Road Traffic Accident) occurs where you are not at fault - you claim off the causer's insurance, not your own.

Hence it should make no difference to your quotes at all.
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Yamaha YB100 | Yamaha TZR125 | Yamaha XJ600S | Suzuki GSF600
"Our society is run by insane people for insane objectives. I think we're being run by maniacs for maniacal ends and I think I'm liable to be put away as insane for expressing that. That's what's insane about it."
John Lennon

[tintin]

[Arfdog]

[Finglonga]

[paulthewitt]

[Trixie]

[Finglonga]

[map]

[edd]

[Arfdog]

[edd]

Well no, its the fault of the person who hits you, as I have just said, and as Finglonga said earlier, and why he had to claim off said person.
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Bluespark Automotive - Diesel Tuning for Performance and Economy

[Arfdog]

[natv4]

As mentioned; With insurance, you can only claim from the person whom makes contact with you, unless you can prove someones action caused a collision.

Your NCD will be affected only when your insurance company pays out. This may happen if it was not your fault, but the TP (third party) was uninsured. Therefore your insurance company would pay you, be unable to recover its losses and prejudice your NCD.

Your excess is only payable on damage to your vehicle. There is no excess on any TP's claim.

If you have an accident as at the start of this thread, simply claim against the TP's insurance company (the van). This usually involves phoning them and then providing details and your side of events together with any witnesses (and their statements). Its a pain, but it will not affect your insurance if you do it this way. You do not have to declare claims against other people at renewal, only ones against your own policy.

Quite rightly if you have legal cover you are entitled to use this to pursue the TP and it will not affect your NCD. All costs will be recovered from the other driver.

I know, I've had to do it on 2 occasions. Both times I was satisfied with the results. If you have witnesses things are fairly straight forward, but it can take time.

And yes, you would be able to claim against the VFR should you be unable to claim against the van (if he was uninsured etc).
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Travelling around the world...a bit at a time. Where am I now? / Visit my BLOG
Bike: Blue Honda VFR800fi (*NEW*) Mileage: 22k Countries visited: GB/F/D/CZ/PL/E/I/B/A/HR/H/Rus/E/MA
West Europe...2004, East Europe...2005, Russia/France...2006, Morocco...2007

[BFG]

[natv4]

[tintin]

Thanks for the replies, at leaset some people understand what I am saying here.

I have still not had a response from the insurance, the transport company (who own the lorry hit me) have pssed the claim to another company who 'handle their claims' who in turn passed it to the insurance company (Zurich), they were not able to find the paerwork, or the claim reference when I spoke to them and said they would contact me. Four days later, nothing, nadda, zilch. The claim agents (whatever they are) told me that the driver involved had not filled out an accident/claim form before he went on two weeks holiday (thanks mate).

Meanwhile I have been and bought a new clutch lever (only £63 from Aprilia) and I am working in Scotland next week so I probably will not have time to sort this out.

P.S. Yes I did get the registration details of the VFR and we have alredty spoken on the phone wirth each other. Not sure what he is doing, maybe he is claiming off his own insurance.
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The older I get the better I was

[stinkwheel]

Ride the insurance company, keep at them or they will deliberately drag their heels in the hope that you will give up and go away.

Ask them if they want their own claims asessor to look at your bike BEFORE you do any repairs yourself. Even if they don't, it would be well worth getting an independant asessmant of the cost of the damage.

If they pull the "He's gone on holiday and not filled in the form." stunt again, tell them that's none your concern and that you want your bike repaired as soon as possible. Tell them you will be claiming for the hire of another bike until yours is fixed if it takes much longer (give them a time scale, seven days would seem reasonable), that usually gets them moving. Put it in writing as well and send it to them, keep a copy.

[G]

[Jack_Cheese]

[natv4]