My bike got knocked over and hit another car.....

[Biker blues]

Hi guys - so, my scooter's parked up on its central stand and gets knocked over (not sure how, but presumably hit by a car trying to park ). On the way down, my far wing mirror hits the bumper of the car parked next to it and snaps off, leaving a deep scratch on the bottom half of the car's bumper. The owner of the car (my neighbour) is saying that a new bumper (!!) is £325 +VAT, and that he wants to claim this on my insurance . Sought advice from the police - they say that if it can't be resolved amicably (e.g. going 50:50 on the costs), then it has to go through insurance, but I'm not happy about losing my no claims bonus for damage that I'm not responsible for, especially considering that I'm paying for the repairs on my scooter with no quibbles! Does anyone have any advice ?

[Wonko The Sane]

Your bike has essentially been hit and runned by another vehicle.

If someone backs hard enough into a car and shunts it into the car behind it then it should be claimed from the first insurance not the car in the middle.

Your scooter is in the middle, really you should both be looking for the car that did it or both claiming from the motor insurance fund - a fund paid into by insurance companies to fund claims against uninsured drivers. They need some persuasion to pay out from it tho.

I'm sure if it went insurance your insurance would be trying to not pay out for something that's not your fault. They'll wallet rape you next year still.
____________________
Looking to pass your CBT / Bike tests in Bury Lancashire? try www.focusridertraining.co.uk Would recommend.
They're also on Facebook https://www.facebook.com/pages/Focus-Rider-Training/196832923734251

[nightshaddow]

is it possible that he knocked your bike over
____________________
"WHAT DO YOU MEAN 100 MPH THATS IMPOSSIBLE Its chinese OFFICER."
Current rides CB 125 TDE(the next project) NS125RK ( now on the road ) CB125TDC (soon to be project 17) melody ( the nephews )

[MarJay]

[Snorty]

Punch his teeth out.
____________________
Current: Yamaha FZ1 '07 | GSXR 750 SRAD

Past: CB125TDC | TZR125 | GPZ500 | CBR600F3 | ZX9-R | GSXR1000 K4

[Walloper]

[Snorty]

He'll still only get a discount on his policy with a claim against him. It'll still go up.
____________________
Current: Yamaha FZ1 '07 | GSXR 750 SRAD

Past: CB125TDC | TZR125 | GPZ500 | CBR600F3 | ZX9-R | GSXR1000 K4

[Biker blues]

[quote="Snorty"]Punch his teeth out.[/quote]

Ha ha - like it - tempted Seriously though, I've tried telling him that a bumper is just that - a bumper to protect the body work, but he's being a knob jockey about it cos he's only had it 6 weeks.

[Snorty]

Didn't any of you guys see the car his OP's bike?
____________________
Current: Yamaha FZ1 '07 | GSXR 750 SRAD

Past: CB125TDC | TZR125 | GPZ500 | CBR600F3 | ZX9-R | GSXR1000 K4

[Wonko The Sane]

[metalangel]

Is there any existing damage on his bumper that he's now trying to cheekily get you to pay for?

Sorry to hear this, both my last two cars got hit and runned while parked, including a broken steering rack. Guy across the road from me had his van get absolutely clobber by someone speeding past... it was one paint flake away from a write-off, somehow the perpetrator was able to keep going and was never found.

[Biker blues]

Hey guys - nah, the cars a 2009, but looks brand spanking - pretty sure it's not self-inflicted, and theses no other scratches/damage.

No idea what car actually hit my bike in the first place - could assume that it was the one parked next to it when I found it (on it's side ). It's no longer parked there, but I could probably find it down the street somewhere - feels a bit slack though if I've got no proof/evidence that it was that car...

[metalangel]

Is there an impact mark on your scooter? Go looking for a car with a mark or scratch at a similar height which could be the point of impact.

Your neighbour is a twunt. Once upon a time I was driving a van and some completely cockhole claimed I'd bashed his rear fender with the door of the van, because he'd watched me park in the space next to his new Mercedes CLITLIK convertible. There was absolutely no mark present and the poor bastard must have been amazing at dodging stonechips and bluebottles if he expected his car to stay pristine at all.

My manager humoured him and dealt with... whatever... but the fact was, it was outside an office building which means he could only have seen me if he'd been staring out the window at his car while pleasuring himself over how awesome it was.
____________________
Previous: 2002 Honda CB500 (sold), 2007 Suzuki SV650SK6 (crashed), 2005 Yamaha FZ6 Fazer (sold). Currently bikeless
"A faired bike will get you 10x more clunge than a unfaired one." -Marlboro Matt

[G]

As above, also look for paint marks.

I presume this other car was pretty closely parked to your scooter?

Did you park there first or did he?

If he parked afterwards, there may also be an angle on that - as there's little you can do to stop a bike going over.

On that, I've got a feeling (but more research is needed and a quick google didn't throw up the answers), that a claims in such case needs 'negligence'.
Presuming it was another car, not that you didn't put the sidestand down properly on a solid surface, say - then it may be you aren't liable.

[Biker blues]

I'll give it go Metalangel - trouble is, the bike's covered in scuffs and scratches (which doesn't bother me in the least, as long as it's still running) and I'm not sure which ones are new!. I'll get the deer stalker on, go and track down the suspect car, look for some evidence and take it from there...gotta be worth a try...really can't afford forking out for this s**t!

[Walloper]

[JP7]

[Walloper]

[JP7]

If they're done properly, Smartrepairs leave a virtually undetectable finish, without the excess of replacing the bumper. But if the bumper's been cracked all the way through then it won't work. Without seeing a photo of the damage to the car, it does sound unreasonable to replace an entire bumper for the sake of a scratch. If it doesn't get Smartrepaired, it can be repaired and painted. Either option is far cheaper than a new bumper, and on a four year-old car either is reasonable.

While I agree that the repair needs to be done to the owner's satisfaction, it also needs to be reasonable. This is where OP has to negotiate a bit. Failing that, it can go through insurance where no doubt the bill will be even higher and everyone's premiums (including the car owner) will go up next year.

[Walloper]

[Boxing]

What if he knocked your bike over and then made it look like someone hit and ran you to get some insurance £££?

People do it. Like the git who slammed his brakes on when I was going in for an overtake, he was another one of them bang for cash people, slam their brakes on get you in the back of them, "ooh my neck officer!" then the fire brigade come etc and cost loads of ££££ in tax money. Hate them people.

[Walloper]

[_mjs_]

1. Get a JCB
2. Ram his car into every car on the street
3. Fuck off before anyone sees you

Problem insurance?
____________________
Previous Bikes: 2006 Honda XR125L > 2003 Yamaha DT125R > 1996 Honda CB500
Current bikes: 1997 Kawasaki ZZR 600 E5 > 2006 Honda Varadero XL125V

[Walloper]

[pinkyfloyd]

I'm in a similar situation. Although my bike was "allegedly knocked over by a car and knocked into a neighbours car who saw a silver car driving erratically away." He then went and picked my bike up for me leaving no trace that an accident has actually occurred in my opinion. Neighbour even told the police he saw a car driving away.

Now in this instance the guy has been trying to claim from my insurance and according to me there has been no accident. I was not there, I did not see any accident and my bike was where I left it, sitting on the side stand. According to the police I am not liable for the damage to his car. Even my insurance informed me that this need only concern them if I wish to make a claim myself.

Still getting letters from his insurance asking me to fill in a claim form which I am still ignoring.

Its one of those sad situations where someones car was damaged and he is looking to blame someone because it was not his fault. Thing is, he is looking to blame you when its not your fault either.

Good luck getting it sorted out but I do not see why you should have to pay when you are a victim just as much as him.
____________________
illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said.