Had an off!

[95Theses]

Taking it easy on the way to see the missus, instead of filtering down a long line of traffic I was just sat there stationary in line with traffic, minding my own business when I got rear ended by some lady in a C3 not paying attention.

Knocked me and my bike flying, luckily I was far enough back from the car in front I didn't hit it.

She got out, apologised and said it was her fault for not paying attention (no shit, I was stationary) and the guy behind her gave me his details and said he'd be a witness.

Got my bike to the local Honda Dealers (VFR800 FI) and list of damage is as follows:

Exhaust scuffed
Rear undertray assembly cracked and broken (including number plate bracket etc)
Crank Case scratched
Front indicator scratched
Front mirror scratched
Rear brake lever bent
Front brake lever bent

Estimate from them is £1,200 to fix everything (inc labour)

So I phone my insurers (MCE) and they say they will handle everything, including getting me a hire bike and then put me through to their legal team (Fletchers solicitors) who want all the details so they can pursue my case for me.

I can't be arsed with what will no doubt go on for bloody ever and see lots of lawyers earning a fortune from a minor accident.

My wrist is sprained, my lower back aches (like when you've picked up something heavy and not lifted correctly) I had an afternoon off work because of it and I think I probably need a new helmet as mine hit the ground.

Then the lady who hit me's insurors phoned me (Saga) and they admitted full liability and they want to take my bike away and get it fixed and they want to give me a hire bike.

Not really happy with them taking my bike so I say no. But I did say to them that all I really want is to get back on the bike so how about this I say:

Repairs £1,200 (will fax copy of Honda estimate)
New Shoei XR1100 (will send photos of mine, can check price online) £300
Wrist/Back/Afternoon off/Generall arsing about £500

Total £2,000, sort it out now and we can call it a day. Will arrange repairs immediately myself, forget the hire bike, no lawyers no expenses etc etc

They said No! they don't want to complicate things?

I thought I was being pretty reasonable myself, cannot see how it's going to possibly cost them less than £2k all in now there are hire bikes and lawyers fees involved.

Don't help themselves these insurance companies do they?

No paint diagram, sat stationary, feet down, in line of traffic, rear ended by a C3

[esullivan]

They don't have a tick box on their form for "offered reasonable settlement, no lawyers." So, obviously, no can do.
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Current: '14 VFR800X Test passed 31/10/12.
Previous: '12 NC700S, '11 CBF 125, '04 SH 125.

[Aff]

Why did you refuse their offer? Its probably the best situation, accident-wise, you could be in. 100% other parties fault, and they have already admitted liability. You should have taken the hire bike and let them fix yours. Should have been over fairly swiftly. Most of the time it takes ages because they are arguing over liability.

If it were me, I would call back and accept their offer.
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Current Bikes:Honda 929RR Fireblade, Honda CD200 Benly (Project), Stomp Z2 140
Electric Bike Project

[WannaBeDude]

I filter esp for this reason
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Jogging on, destination living.

[arry]

[CaNsA]

[95Theses]

[CaNsA]

It's not gonna cost you anything so why are you bitching about places making money?

Let them take the bike, and find out where its going, then pay the garage a visit.

You cold say to SAGA that you want the bike sent to a registered Honda dealer.

Stop being potato.

[arry]

[95Theses]

Makes no odds to me though does it?

Its at a Honda garage, they are fixing it, I'm getting a hire bike and I've now got a lawyer on my side making sure I get it done correctly.

Saga can either settle quicker and cheaper right now (I get my bike sooner they pay less money) OR we can get it fixed by the people I want and I get a hire bike.

I'm under no obligation to turn everything over to a firm that is explicitly not acting in my best interests.

[chris-red]

I had a similar thing with a saga driver and went through them and got a very quick, reasonable settlement. The didn't quibble about anything.
____________________
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.

[Alpha-9]

Welcome to my world

You'll probably get the kymco super 8 after me, don't mention the scars They have no geared bikes left

MCE have been painless and so have fletchers for me, so I wish you a smooth ride

You really think they're going to give 2 grand for some scratches? Be realistic. I was happy with the full value of my bike, seeing as the cunt wrote it off.
What bike was it?
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Fzr-600 1999

[shadylee]

[Alpha-9]

I see

Well your losses like helmet and gear etc will be a seperate payout from the bike afaik, you declare it on the papers they send you along with the personal injury


Fair enough wanting 2 grand as looking it up it's a £7.5k bike at 2000 miles, not sure how old or what state yours is in though.

Just let them take it away and assess it, it wont work out well else. They seem to be pretty generous with the assessment of the damage, just be clear about everything that you want replacing/fixing.

For me I got the value of the bike and the bike is coming back to me, so imma fix it cheap myself with the payout and keep the rest as profit
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Fzr-600 1999

[95Theses]

[chris-red]

[Alpha-9]

[arry]

[95Theses]

[Jefr0]

IMO you're doing the right thing, I'd be the same and rather have my own insurers deal with it.

They've admitted full liability, MCE said they are sorting you out so I don't think you have nothing to worry about.

Bike repairs will be sorted. Helmet can be replaced by the other party too.

Injury wise, see what they say. To feel back pain straight away will possibly mean you'll be worse tomorrow plus the wrist.

Don't rush initially. They make money from injury claims if high enough so expect them to get you to see you a doctor. BE HONEST and you can't go wrong, if you don't think your injurys will affect you then tell them you don't want to pursue the injury route.

I had whiplash (yes genuine ) and it lasted about 6 months.
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Rides: Honda XR 125 ('03) Honda CBR 600F ('91), Ducati 916 Biposto ('95)

[arry]

[Vanitore]

Wait there insurance company shouldn't be contacting you.

[Alpha-9]

[arry]

[95Theses]

MCE want to deal with it for me so they can claim their fat fee's back

Fletchers want to act for me because they have to pay MCE £750 and get to charge Saga £5k

Saga got my mobile number off their driver and want to speak to me direct to save having to pay the fat fee's to MCE and Fletchers

I jsut want my bike fixed and £2k seemed reasonable even if I am being paranoid about them taking my bike away