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Was nearly killed! Well, not really.

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fatjames
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PostPosted: 12:26 - 18 Apr 2012    Post subject: Was nearly killed! Well, not really. Reply with quote

This post is massively overdue. I was in an accident towards the end of February.
Basically, I was travelling along, around the 30mph mark. A car pulled out of a give way into my path. I tried to stop but there wasn't enough time and I went into the off side rear of his car. Me, the missus and bike went for a slide up the road. Resulting injuries, I broke 3 ribs and my right thumb. The missus had worse injuries and broke her elbow. The bike was trashed (bent forks, smashed plastic, broken controls, engine cover, etc)
We were collected by ambulance and enjoyed some gas and air. I'm out of cast now, the missus will be recovering for quite a while.
The insurance company valued the zzr (pre accident) at 1200 and let me keep it for £50! Nice. With help from a fellow bcf'er the bike is in bits awaiting a clean and ebay. (thanks Mr Fisty!)
Insurance is working on a payout for injuries, although I've been told this can take a while.
I've replaced my transport with a virago 535, although I've not riden it much yet and it hurts to use the front brake!

Anyway, I've done a paint diagram, enjoy.

https://cdn.bikechatforums.com/files/bike_crash.jpg

FJ
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fatjames
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PostPosted: 12:28 - 18 Apr 2012    Post subject: Reply with quote

somebody feel free to fix the picture.
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Alex_B
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PostPosted: 12:43 - 18 Apr 2012    Post subject: Reply with quote

Ouch, nasty business what with carrying a Passenger as well.

Hope you guys get a good lump sum out of it. The other party 100% liable yes?

GWS you 2
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P.addy
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PostPosted: 12:48 - 18 Apr 2012    Post subject: Reply with quote

Alex_B wrote:
Hope you guys get a good lump sum out of it. The other party 100% liable yes?


Estimate around £6k for injuries Laughing Your missus will get more Thumbs Up
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fatjames
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PostPosted: 12:57 - 18 Apr 2012    Post subject: Reply with quote

In my head I'm already spending the money! I don't think liablity is being disputed, as the TP insurance company paid an interim payment. I've collected nearly £200 worth of taxi receipts too! £6k!! that would be nice, the permanent bump on my thumb may be worth it.

Pillions...will I do it again? Not sure, I don't mind 'too' much if I crash, as long as no one else is hurt. But having a passenger is such a huge responsibility. I expected to be single after the crash, but she's been sound. It was her pushing me to get another bike!

oh, Paddy, did you want the front brake master cylinder?


Last edited by fatjames on 13:04 - 18 Apr 2012; edited 1 time in total
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P.addy
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PostPosted: 13:00 - 18 Apr 2012    Post subject: Reply with quote

I have now acquired a MC! Very Happy Very Happy

Erm, I got £5000 for a broken thumb and write off GS500, bike was valued at £795.

I didn't claim for any sore neck, legs or anything...would have got more but wasn't worth it.

Obviously you'll get a fair figure from it. I spent a fair whack of mine the day I got it...go careful Laughing
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T.C
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PostPosted: 13:57 - 18 Apr 2012    Post subject: Reply with quote

##Paddy## wrote:
Alex_B wrote:
Hope you guys get a good lump sum out of it. The other party 100% liable yes?


Estimate around £6k for injuries Laughing Your missus will get more Thumbs Up


Based on what? It could be more depending on the circumstances of each individual claimant, no two claims are ever the same, and it all comes down to the severity of the injuries, period of incapacity, and who prepares the schedule of costs.

I have seen some injuries such as this obtain as much as £20K some as low as £3K

To make a sweeping statement such as you have made is dangerous and incorrect. Because you may have received a certain sum, does not mean that others will receive the same, it could be higher or lower depending on personal circumstances.

If the claim is being handled by legal insuarance appointed solicitors, then be prepared for it to be severely undervalued, as one member here can testify to.

His case was settled inside 3 months for a stupid low amount, despite him having a brain injury, all because the solicitors wanted shot of him so they would get paid.

I am sure the member will be along in due course to back this up, but suffice to say, £6K is just a figure plucked from the sky and has no foundation or substance
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chris-red
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PostPosted: 14:01 - 18 Apr 2012    Post subject: Reply with quote

sINCE YOU SEEM TO BE IN THE KNOW AND i THINK YOU HAVE SPOKEN ABOUT INSURANCEY STUFF BEFORE (opps caps) how much do you reckon I could be in for (if anything) for a smashed up foot, nothing broken but a trip to a&e and my foot looks like this.

https://img.photobucket.com/albums/v295/chris-red/de1d6af8.jpg

Ta

Chris
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P.addy
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PostPosted: 14:07 - 18 Apr 2012    Post subject: Reply with quote

T.C wrote:
##Paddy## wrote:
Estimate around £6k for injuries Laughing Your missus will get more Thumbs Up


Based on what?


Based on the amount of claims I've had Laughing

I just base my own claim prices on my previous injury payout Laughing Obviously you are far more in the know than I am though Thumbs Up
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shereen
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PostPosted: 14:10 - 18 Apr 2012    Post subject: Reply with quote

[quote="chris-red"]sINCE YOU SEEM TO BE IN THE KNOW AND i THINK YOU HAVE SPOKEN ABOUT INSURANCEY STUFF BEFORE (opps caps) how much do you reckon I could be in for (if anything) for a smashed up foot, nothing broken but a trip to a&e and my foot looks like this.

https://img.photobucket.com/albums/v295/chris-red/de1d6af8.jpg

Ta

Chris[/quote

You really need to stop posting this picture Sick Laughing
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Paulington
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PostPosted: 14:13 - 18 Apr 2012    Post subject: Reply with quote

Good luck, I was pulled out on by some druggie twat in October 2009 and I'm going to court this year (hopefully!) to determine liability. Not seen a penny yet.

If there is any liability dispute, it will take years. If they admit liability, fantastic, but if they don't, prepare for a long 'un.
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chris-red
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PostPosted: 14:14 - 18 Apr 2012    Post subject: Reply with quote

It's lovely ain't it. It looks better when it is clean but I thought I would keep the gory pic for the insurance. Wink
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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Rogerborg
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PostPosted: 14:33 - 18 Apr 2012    Post subject: Reply with quote

Awesome! I, mean, your missus. That's a keeper, buy her something nice with the payout. Wink
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GrumpyGuts
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PostPosted: 14:39 - 18 Apr 2012    Post subject: Reply with quote

chris-red wrote:
It's lovely ain't it. It looks better when it is clean but I thought I would keep the gory pic for the insurance. Wink


Thanks, my lunch ended up on my keyboard Evil or Very Mad Evil or Very Mad
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T.C
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PostPosted: 15:53 - 18 Apr 2012    Post subject: Reply with quote

chris-red wrote:
sINCE YOU SEEM TO BE IN THE KNOW AND i THINK YOU HAVE SPOKEN ABOUT INSURANCEY STUFF BEFORE (opps caps) how much do you reckon I could be in for (if anything) for a smashed up foot, nothing broken but a trip to a&e and my foot looks like this.

https://img.photobucket.com/albums/v295/chris-red/de1d6af8.jpg

Ta

Chris


Given that nothing is broken, it will have some value but it is not going to be worth a lot.

As I said, it all dependss on many factors.

The severity of the injury
How long you have been incapacitated for?
lack of amenity
Loss of earnings (if any)

The claim is then divided into two parts

General damages which is the value of the actual injuries you sustained, and which includes a payment for pain and suffering

Special damages which is covers everything else such as damaged clothing, travelling costs, prescriptions, loss of earnings and the like

The two are then added together to give you your total award.

Unless there are broken bones, it is very unusual for the claim to be valued above £1,000 unless it is something like severe muscle or tendon damage, or a very severe dislocation

For a solicitor to be able to claim back there fees and costs from the third party, the value of the claim has to be over £1,000, and in what is called fast track claims, it is done under the portal system which limits legal fees on low value cases to around £1400.

The values of injuries are determined by the Judicial Services Review board who revise the figures every year, and each injury is classified and valued in three categories, minor, moderate and catastrophic.

So whilst many people believe that they can make a lot of money from personal injury claims, it is relative.

A serious brain injury and paraplegia is only worth about £280,000 at the top end, whilst a broken tooth is worth about £600 at the bottom end

But in serious cases there is also what is called the Ogden table which allows serious cases to be valued in more detail.

But back to your case, yes it has a value, but don't expect to be buying a new mansion on the proceeds.
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Howling TerrorOutOfOffice
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PostPosted: 15:57 - 18 Apr 2012    Post subject: Reply with quote

[Saw the toe..left the thread]

Sick

GWS Thumbs Up
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chris-red
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PostPosted: 16:06 - 18 Apr 2012    Post subject: Reply with quote

Incapacitated about 2 days and missed a day of work. I wasn't expecting loads but something would be nice. I'll bite there hand off at £500+ then I guess Thumbs Up
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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fatjames
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PostPosted: 12:15 - 19 Apr 2012    Post subject: Reply with quote

Thanks for all your advice. I'm not going to hope for certain amount, however if I "win" enough for new set of wheels, and possibly put some cash into the holiday fund, I'll be satisfied.
I feel that the solicitors fee's and these payouts are the reason insurance is high, however, who wouldn't claim these days if they've been affected by injuries..?
So, any more estimates for my imaginary shopping list?? Broken thumb, 3 broken ribs and 6 weeks off work..
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chris-red
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PostPosted: 12:47 - 26 Apr 2012    Post subject: Reply with quote

As a conclusion to this I decided to go directly through the other ladies insurance because it was easier. I got £1500 for my foot which is pretty good I think.

They offered £1250, I said something along the lines of, "They always say never accept there first offer, I've played it straight with you told the truth I'm going direct through you so you don't have to pay solicitors anything. I'm not lying and claiming for whiplash or anything exaggerated could you bump it up to £1500 as a gesture of goodwill" The guy said yes, Result!
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.
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Alpha-9
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PostPosted: 13:38 - 26 Apr 2012    Post subject: Reply with quote

Fucking hell i'm so sick of stumbling across that toe

PLEASE NO MORE.

gratz on the pay out Thumbs UpWinkThumbs Up
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