Opinions on insurance settlement

[Pie-Roe]

Hi all, got a letter today from my solicitors about my crash I had last June.

All court docs are settled etc, just waiting on a date. Turns out the other side have offered 50-50. No witnesses either side.

My claim is worth around £4k, her counterclaim is £400.
So obviously if I accept the 50-50 I'll just pay my insurance back 200 quid to get my 3yrs NCB.

But that they are offering to settle now before going to court surely says that they are worried they might lose so are cutting losses? Therefore it might be worth me pursuing it more to get 100% or as close to it as possible?

I'm not in a bad position for the money if I'm honest. The having a fault claim makes a negligible amount of difference to insurance compared to having 3 years NCB. I'd happily lose out on 2k to get it settled now so I could buy a nice bike for summer.

Thoughts?
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[P.addy]

Think about it...

Was it your fault in any way, would you consider it your fault at all?

If not, fight it.

If YOU think you might lose, you can choose 50/50... unsure how that works with no claims though..

[Fisty]

If you werent at fault and you will win, fight it. Make the fucking insurance company work for the extorsionate amount we pay in premiums!
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Quietly and consistently taking the piss.
TL1000R | Hayabusa | ZXR400 | TL1000S | Bandit 400 V
Fatter and faster than Fret

[Pie-Roe]

I didn't consider it to be my fault, but TC and everyone on here reckoned 25% lay with myself. The girl is young and pretty.
It might take another age to claim and 2k isn't that much to worrry about the hassle tbh. Taking time off work, planing holidays around court dates and missing out on the short summer is worthwhile me taking that cut in my head.
I've only just read the letter after office hours are shut, I might push for a 75-25. Don't know really.
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[P.addy]

If you can do 75/25 you can do 100/0

I had a case where the woman contested I was speeding and at fault after I rear ended her.

She has reversed out of her drive on a major road, 0 witnesses, I won.

[Pete.]

[pendulum]

Just quit and accept the blame if you want to, it sounds like you don't have any fight in you...

Or man up, have your day in court and fight for victory
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1998 CG125 (Sold) CB500 [+ Clio 172]
Usually_Wrong: I tend to fail more than pass. [Speaking about Theory Practice]
Usually_Wrong: im on unemployment at the moment

[T0MMY]

[Pie-Roe]

[Mikey3]

[Redoko]

1. Go for 100%
2. Win.
3. Take her on holiday.
4. ...
5. Profit?
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"Let's face it, this is not the worst thing you've caught me doing."
Sudika Sportsman SK50QT > Gilera DNA50 > Honda CBR125 RW7 > Kawasaki Zephyr750 > Suzuki GSXR600 > Honda Hornet CB600F '51

[Rogerborg]

[Kwaks]

[AyrtonSenna]

"Fear is the path to the Dark Side. Fear leads to anger, anger leads to hate; hate leads to suffering. I sense much fear in you."

"The fear of loss is a path to the Dark Side."

[Pie-Roe]

[Paulington]

I am in a situation similar to yours at the moment, in my accident in October 2009 the bloke that left the junction is adamant that it is not his fault and loads of other stuff.

Anyway, my solicitors got a legal opinion on it all and they said it would likely go 50/50 with the main thing pushing it in my direction fault-wise is speeding, but not only is there any proof I was speeding I also have the testimony of Doctors stating that if I was doing above the speed limit I'd have died, so this is going to Court and I am going to have my day in Court and I will fight my ass off to get it 100% his fault because that is what it is.

Just go for it and fight it, have your day. !
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[Eddie Hitler]

Same here, I wasn't at fault and the other driver is claiming whiplash. All the evidence stacks against her, drove off whilst I had to chase after her, she was speeding and ran a red light. I even have a witness, and in her police statement she said she thought she ran over a pothole.

Still going to go 50/50, and tbh I can't fucking wait for it to all be over, insurance is a complete scam and shambles.

[Pie-Roe]

Right, well due to a balls up with my solicitors, it seems her claim is for 1400 plus costs, so I'll be fighting it in court instead of rolling over. However looking over the figures, the other side have valued my injuries (which were very minor and I said so in medical) at around 3k more than my solicitors did.

So that extra 1500 quid would cover the hike in insurance to settle today and have the money.
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