Had an off and the bloke's not insured

lee_d_m · Derestricted Danger Joined: 22 Jul 2007 Karma :

First off today, was overtaking a line of cars in traffic and a guy in the line decided to do a u-turn right in front of me.

Fortunately I was only doing about 10mph, but the impact was enough to leave a massive dent in his drivers door. I've got a bruised leg and shoulder but forutnately was wearing Sidi's and other gear so was ok. Also, there was an ambulance waiting in the queue of traffic, about 10 yards from the accident, so was being looked after almost before I hit the ground !

My bike (a YBR 125) doesn't look too good. Steering is well out, the wheel points left and the bars point to the right. It starts up ok, but feels a bit funny when pushing it.

Now the worst bit, it turns out the guy's insurance ran out on 31/10. I'm also only TPFT so looks like I could be well and truly buggered. Gonna have to get the train to work now which costs me about 20 quid per day as opposed to the 15 quid per week my bike cost me Crying or Very sad

Plus the thought sitting on a train bored out of my brain rather than being out in the open air is not a pleasant thought.

Waiting for a call back from my insurers tomorrow to see whats gonna happen

Would appreciate any advice on my best course of action in order to get some money back and also get my bike sorted.

Cheers

Lee

Ichy · World Chat Champion Joined: 15 Jul 2005 Karma :

Do you have legal aid on your insurance? If not then you need to find a claims company. You will be covered by the Motor Insurers Bureau although they may expect you to accept a certain amount of blame due to the nature of the accident. No idea how long the claim will take though?

You have all the other guys info?
Did you report the accident to the Police? You need to if you haven't.
Keep all receipts including the train tickets.

fazza59 · Scooby Slapper Joined: 22 Feb 2007 Karma :

If he didn't have insurance sue the cunt!

Make sure the incident is reported to the police and don't forget to tell them he was uninsured.

Get your bike to a repair shop and get some quotes.

Glad your ok.
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Kickstart · The Oracle Joined: 04 Feb 2002 Karma :

Hi

Insurance is there to cover his liability. In theory with no insurance he is still liable and you can sue him for the damage. Just means that he has to pay for the damage rather than having an insurance company bail him out (although reality means it takes longer to get the money). And reasonable costs (such as the extra travel costs for a reasonable length of time) should be claimable as well.

Failing that there is the MIB.

All the best

Keith
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G · The Voice of Reason Joined: 02 Feb 2002 Karma :

I presume you have his details?
Has he agreed to compensate you?

Sounds like the bike should be a pretty easy fix.

lee_d_m · Derestricted Danger Joined: 22 Jul 2007 Karma :

Hi Ichy,

Thanks for the reply, not sure if I have legal aid, but I have legal cover, will ask about legal aid tomorrow. The legal side of things regarding the bike is being handled by Bikers Legal Defence, which from a few posts on this site appears to be a good company.

I have reported it to the police and have been given a collision report ref number.

My insurance company did mention something about the motor bureau, which looks like being my only option. Although you did mention about a claims company, would it complicate things using one of these whilst Bikers Legal Defence is handling it ?

I guess I could sue the guy if all else fails, but I would be concerned as I know in a lot of these cases they are ruled as 50/50 as I was overtaking (I was overtaking on broken diagonal lines on my side of the road) which I thought I was allowed to do if the vehicles are stationery.

Thanks again for your help

Lee

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

You got it all coverd there.
Let the police, ins and bikers legal lot sort it all out for you.

Here's hoping he gets well stuffed by the police.
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Ichy · World Chat Champion Joined: 15 Jul 2005 Karma :

NSR Mick · World Chat Champion Joined: 26 Jun 2005 Karma :

lllN30lll · World Chat Champion Joined: 12 Jun 2005 Karma :

when did you find out he was uninsured? at the scene?

did you inform the police he was uninsured? may not have had a license either.
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danclarkie · Scooby Slapper Joined: 07 May 2005 Karma :

Said it before and I'll say it again.
Get plod down there if you have an off.
Would have took his car off him there and then amongst other things!
Sounds cut and dry tho mate keep your chin up, If anything id take some joy in doing this un-insured muppet over.
Any luck he could get disqual, which would be nice.
Make a note of all the expenses you incur ect ect, The worst part is over now and you can take this sap to the cleaners! Thumbs Up

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lllN30lll · World Chat Champion Joined: 12 Jun 2005 Karma :

lee_d_m · Derestricted Danger Joined: 22 Jul 2007 Karma :

Thanks for all the advice and encouragement people. It's good to have a place like here to come and ask for unbiased advice, and especially good to know that some of you have been through this sort of thing and are speaking from first hand experience.

I didn't know he was uninsured at the scene unfortunately. It transpired later in the day after BLD had contacted his insurers to be told his policy had expired on 31/10. I wish i had got the police down there, and will definitely do that in the future if I have another off.

Thanks again for all the advice, will let you know how I get on.

Cheers

Lee

Ariel Badger · Super Spammer Joined: 02 Dec 2006 Karma :

If an ambulance attended so should the police, it is the law I believe.
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McGee · O RLY? Joined: 24 Jun 2005 Karma :

dabigginger · Crazy Courier Joined: 28 Oct 2006 Karma :

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Unfortunate you found out the bloke wasn't insured after - have you talked to him since?
If you'd found out at the scene then you a good tack would have probably been "Sort me out the money for everything ASAP and we'll take it no further" - may well have seen you back up and going a lot sooner.

As far as I know, the MIB only pay out for injuries.

spnorm · Crazy Courier Joined: 18 Aug 2007 Karma :

McGee · O RLY? Joined: 24 Jun 2005 Karma :

Paivi · World Chat Champion Joined: 30 Sep 2005 Karma :

hellkat · Super Spammer Joined: 12 Jul 2004 Karma :

Is it not an offence to NOT report a road traffic accident that you have been involved in (more especially if you might be deemed to have caused it)?

Regardless of whether you get him to agree to pay for your bike to be fixed, he should at least be done for that (as well as no insurance).
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Itchy · Super Spammer Joined: 07 Apr 2005 Karma :

Duckyboos · Traffic Copper Joined: 06 Jul 2006 Karma :

A lass at work has just had a payout from the MIB under the Uninsured Drivers Agreement... she was in an accident a few months back and the other party wasn't insured...

https://www.mib.org.uk/MIB/en/Claims/UK/Uninsured/GFprocedure.htm Thumbs Up

Kickstart · The Oracle Joined: 04 Feb 2002 Karma :

Ichy · World Chat Champion Joined: 15 Jul 2005 Karma :