Insurance Question - Bike down but no contact with car

Jazz_UK · Renault 5 Driver Joined: 06 Jun 2006 Karma :

Hi,

Just had an off!!

Drove off from lights, making progress when a woman came out of a supermarket car park turning right, blocking my side as there was a queue of traffic on the other side of the road.

Braked... bike went down with damage to the usual suspects, fender, mirror, exhaust, indicators etc

The police were quickly on the scene, took witness statements who all say she pulled out and gave me nowhere to go. And she will be the blamed driver in their report.

The obvious one would to have driven into her Smile

but you don't think that quick.

Has anyone had any similar experience of how hard it is to claim her insurance?

Also can I claim for damage to my helmet, gloves, trousers & boots?

Also if I successfully claim her insurance, do I get my excess back

Thanks
Stuart

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

Finglonga · World Chat Champion Joined: 27 Jul 2004 Karma :

CCTV footage? Have you got her registration number? Not sure if leaving the scene of an accident comes into play as I wasn't there?!?

Are you ok though, it may be worth getting checked over at the doctors just in case.
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Andy Sez....
F.Y.Y.F.F.

RS1Banger · Scooby Slapper Joined: 08 Oct 2004 Karma :

does this mean if this happens to me that i would be better off hitting the car?

skida · Trackday Trickster Joined: 15 Jul 2004 Karma :

Chriss · World Chat Champion Joined: 07 May 2005 Karma :

Hi, police report normally plays a tiny role, but not as much as witnesses, and yes, you can claim off her insurance as she created the situation of emergency. Smile

When you replace jeans etc. make sure you keep receipts (sounds daft, but makes it easier for the company to know *how* much to pay out for that stuff).
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TheShaggyDA: I've got 3 or 4 pairs that predate my wife, so at least 11.5 years old.

Jazz_UK · Renault 5 Driver Joined: 06 Jun 2006 Karma :

Hi - Just heard from the police that they have submitted a report against the driver to the PF for Driving with Undue Care.

So that should make it easier to claim!

Jazz

skida · Trackday Trickster Joined: 15 Jul 2004 Karma :

Jazz_UK · Renault 5 Driver Joined: 06 Jun 2006 Karma :

Hi - Forgot to mention, my leg is in plaster from knee to foot... they say I have a suspected broken toe.

However it is strange that the plaster ends where my toes begin!!

A few scratched and bruises.

The bike is ridable but everything that sticks out on the right is either bent or scratched!

Jazz

Edicap · Spanner Monkey Joined: 30 Oct 2006 Karma :

Finglonga · World Chat Champion Joined: 27 Jul 2004 Karma :

dicko · Renault 5 Driver Joined: 05 Jan 2006 Karma :

Jazz_UK · Renault 5 Driver Joined: 06 Jun 2006 Karma :

Hi - Thanks for the advise, I have legal cover with the insurance cover, Bankstone Legal.. through MCE Insurance. The insurance company says that they should contact me within 24hrs.

Hopefully they are good and can get the claim dealt with quickly

Thanks
Jazz