had a crash :'(

[virus]

Iwas on my way to college this morning, running a little bit late but nothing unusual there.

Mondeo infront stopped because of roadworks and to let a car through, I was folowing too closely and couldint stop in time, I hit his back bumper at about 10mph. he is going to need a new bumper as it is quite damaged, the front mudgard on my CG is buckled and the wheel wont turn so I had to get my dad to come out with a mallet and we straigtened it out enough for me to take a really slow ride home ( 5 mins).

He got out, I switched off the engine and took my lid off and we exchanged insurance details. Im not injured really, Im a bit shook up and my neck is twinging a little. Im more upset about the fact that im going to be royaly screwed by inurance now and I dont know wether or not I will be able to afford to insure at my garunteed higher premium so I might have to SORN the bike and start riding again in a years time when I have saved up enough for inurance.
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own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[Blau Zedong]

Sorry but sounds like whinging to me I'm afriad. You made the mistake of riding too close to the vehicle in front and / or not paying attention to the situation. If they weight your insurance it won't happen untill renewal, so I don't see why you would need to stop biking?
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18:54:48 Rob Fzs: jews don't give away stuff for free

18:54:59 Rob Fzs: unless its their clothes/ hair/ golden teeth

[JeffT]

[virus]

bluex-5, I totaly understand that it was my fault, and im prepared to suffer the concequences, the only reason I need think about giving up biking is because I cant afford to renew my insurance at the moment.

Sloces, how would i go about that? I havent contacted insurance yet but he might have.
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own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[JeffT]

[virus]

Yeah I have contact details aswell, Ill give him a call at lunch time I think. Cheers
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own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[Blau Zedong]

Sorry mate....didn't mean to be a shit We all make cock ups in our first year or so riding, somehow I just managed to avoid hitting any other vehicles (more by luck). If you have his details give him a call and broach the possibility of settling it up with him outside insurance. If he's OK with it then get him to go out and get a quotation or two, and take it from there.
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18:54:48 Rob Fzs: jews don't give away stuff for free

18:54:59 Rob Fzs: unless its their clothes/ hair/ golden teeth

[dew]

[Keir]

bumper from scrap yard + paint + fitting can start to run into £250+. let alone if he want a brand new one and ford to paint it. Was the bloke a cock or alright? Try to bung him £200 and have done with it.
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Current : '08 Yamaha FZ1s
Previous: '99 Honda CBR 600FX, 03 ZX636 B1H, 99 Fazer 600 (red), 02 GSX-R 600 K2, 00 SV650s (red), 2008 ZX10R, 97 Bandit 1200N, 04 ZX6RR K1H, 04 GSX-R 1000, 98 Fazer 600 (gold), 05 Madness 110 Pit bike, 04 CR125R, 00 SV650s (black), 06 KTM 625 SMC, 99 SRAD 600 track bike, 03 SV650, 98 Bandit 1200N, Bandit 600SY, 03 GSX-R 600 K3, 01 GSX-R 600, 01 Fazer 600 (black), VFR 400 NC30 x3, 78 Honda Dream, 00 Speedfight 50

[virus]

I dont have any exess on my insurance, im TPO with ebike (monthly) aparently he has spoken to his insurance but is getting some quotes tomorrow and I will call him tomorrow, im going to call my insurance tomorrow to make sure they no but request them not to do anything about it, also, I rode the bike into town and back to make sure it was all ok, when i went to restart it the kickstart lever snapped off i had to bump start it with the assistance of a friend lol. great day
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own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[Ariel Badger]

You survived the bump. That is a good point.
You seem to have gained from the experience. That is a good point.
I hope that you will have many years of motorcycling in front of you and with your present attitude I think you will. Do not be afraid to learn from your mistakes.
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Bikers make great organ donors, get 115 on your licence today.

[Whosthedaddy]

I lost 2 years NCB on the car as I went into the rear of another car at around 10-20 mph. The front of my car was cracked and broken, his was superficially scratched

I waited ages and nothing in the post about claims and diagrams and whos at fault etc, so I contacted them about getting my car fixed (hence the NCB loss). I believe that he waited more than 6 weeks to contact for a claim! The thing that annoys me the most is that anything could have happened to his car in the meantime, and just made the damage worse, making the claim more expensive for moi.

After paying £200 excess, my insurance payed out £600 to have the front of my Type R fixed, the work sheet from the panel beaters was nearly 3 pages long with all the small doodads that 'needed' to be replaced.

I found out after talking to the claims department last month that his 'bill' was in excess of £3500

Its funny how if it comes out of your pocket its always much cheaper than when the insurers pay for it.
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[Louise]

[virus]

[mxhonda]

I HEAR YOU REAR ENDED A BUS WHAT HAPPENED DIDNT YOU SEE IT OR SOMETHING. ITS ONLY LIKE 4 TIMES THE SIZE OF A CAR. EASILY MISSED
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I like them bike fings

[Mudskipper]

[Adam80UK]

If you tell your insurance company then despite the fact that you don't want them to act on your behalf, I believe you will see a hefty premium increase as whenever you renew you will have to see yes when asked if had any accidents in last 3/5 years, and that it was your fault. This will be kept on record, you can of course say it was a £0 claim amount, but still... it's a fault accident

If you do decide you want insurance to cough up, I think they also generally require you then to settle the premium amount rather than continue with monthly payments, which would be a bummer.

Bad luck anyway mate but it's nice to hear you taking responsibility. While riding with friends recently, one of them STUPIDLY over took two of us on approach to a roundabout! He was too fast, grapped a handfull of brake and went down, destroying his R6 (he has since bought a brand new one). He was luckily unhurt.

Anyway first he blamed gravel, there was some but only inches from the curb which he was nowhere near. Later on he decided his gearbox was to blame as he couldn't select the appropriate gear (not sure how that cause such an accident!). But he finally settled on remembering that his rear brake locked up, funny he should forget such a thing.. load of BS anyway since I saw it happen and the back end behaved as it should plus why would you be using the rear brake at that speed (then again it wouldn't surprise me).

We would all have respected him more if he'd just said "yeah in hindsight that was a bad move, and braked leaning in. My fault really, will just have to learn from it" that would have been fair play.

Anyway good luck mate.
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Current: '07 Suzuki SV1000 & '07 Honda SH300i (again).
Previously owned: '08 Yamaha R1, '10 Kawasaki Z1000, '07 Honda SH300i, '04 Suzuki SV1000S, '11 Honda CB1000R, '09 Kawasaki ZX-10R, '08 Aprilia Tuono 1000R, '07 Triumph Daytona 675, '95 Honda CBR600F.

[Timmeh]

n00b.
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GSXR400 x2 | '94 RVF400 | '93 TZR125 4DL (again)
20:22:30 BLUEX5: i would love to be forced to undergo a**l plugging with different sizes
20:48:18 Temeluchus: comp you hunk of smouldering homos3x you

[st3v3]

I ever so slightly rear ended a couple of cars in my first 6 months, not enough for any of them to ever notice, and I waited around to check if they had to give them my details, but both cases drove off without incident, I took them as a lesson that next time I will not be so lucky
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Jammy-R6]

Nearly always best to settle a claim outside of insurance, the way I see it, insurance is only good for big big settlements and legal bills, the rest (theft cover, minor damages) just fuck you over in the long run.

I had my R6 stolen last year out my garage. This year when I came to take out a new policy on my TL, the difference between declaring the theft and not was £500...

So in 5 years they will claw back £2500 in raised premiums! I only claimed £2600 for the stolen bike! So iv saved a whopping £100 in the long run. Wish I didnt bother

[dew]

Please realise that this is a five month old thread! Am assuming it would have been done n dusted by now!
Stop posting suggestions!
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Theory: 34/35, 64/75 Test: 23-Oct-06 PASSED (No minors)
Current: Ninja ZX- 6R Future: ???

[mxhonda]

Okay its all cool now! Dont take any of this wrong way John (virus).
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I like them bike fings

[virus]

yeah, i think he went through insurance as its recorded on my policy but my policy hasnt gone up so im happy
____________________
own: 81 xs1100g...
owned: 85 rat CG (sold), 91 GS500e (stolen), 84 gsx400f (scrapped), 81 z250 (siezed, siezed, scrapped), 83 cb250rs (sold), 84 gpz750r ratfighter (killed) 84gpz400 (sold), '80 cb650 ratfighter (wrote off) 95gsx6/12f ratfighter (killed) 91 xj900 (sold)
stinkwheel Well I just had my hands up a pigs fanny. Which makes your concerns pale into insignificance.

[matthab]

lol virus didnt know you had an accident, although i think you told me at college about it!
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2005 - 2006:Peugeot jet force 50 TDSI (sold)
2006 - Present: Yamaha YBR125 06 (extras:pilot sporty tyres and screen)

[kawakid]

Hang on,

If its just his bumper, they are very cheap to do yourself.

I've replaced the bumper on my MK2 mondeo for about £120.

Thats for a new bumper delivered to your door. You give them the VIN number and they know the paint code from there. Hence your bumper arrives ready sprayed and correct.

Its only a few bolts and you'll need some axel stands and a star screw set, but i'm no mechanic and I changed mine in about 1 hour, maybe a little more.

https://www.panelmatch.co.uk/ (give these people a ring)
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I've a twin and a 4.