Been involved in a accident.

[DottyDuck]

scenario- i was on the outside lane. road was clear and the lane to the right of me was full of cars (the traffic light was on red for them).
a car from on coming traffic came across the traffic (after hearing from the police i think someone flashed her across the right lane of traffic).
She didn't look out for me and came across my line. I couldn't stop and went right into her.

luckily I have a few bruises- so nothing major.

Now for the tricky part- insurance- my stress levels have jumped through the roof!

Damage to bike- bent front forks. mudguard smashed. mirror broke off. both levers are bent down. (i think the bike is a write off tbh)

How do i do insurance? do i need to do it through my own insurance? or can i go through the other drivers?
____________________
CBT- 2012 Theory- 18/12/13 Mod 1- 07/01/14 Mod 2- 15/01/14
Old Bike: Zontes Panther 125cc - wrote off Current Bike: Kawasaki ZR7

[Alpha-9]

ring your broker.

Pain(t) diagram.
____________________
Fzr-600 1999

[ginny]

Talk to be police. If their sirens/blues caused her to move and hit you, it's a 'technical PolAcc' police accident.

[Ribenapigeon]

I whatever you do make sure your insurance are going for 100% its the drivers fault. Sounds like police involved so make sure they do a proper accideng report in your favour.

[stidds]

The rules concerning emergency vehicles are very clear. It says that as a driver you should do nothing illegal or dangerous when confronted with an emergency vehicle.

This driver made a dangerous move which resulted in you having an accident. You are not to blame in any way and hopefully you took the drivers details, if you did then call your insurance company and let them deal with it.
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Sean

[CaNsA]

You dead?

If not speak to your insurer, bennets, swinton, carole nash etc etc.
Give them all the details then order a pizza.
while waiting for the pizza to arrive knock up a paint diagram.

[matto]

Eh? Where are you guys getting the emergency vehicle thing from? The way I read it is that the police attended as there was an accident and told him that someone had flashed her across the traffic.

Sounds like you need to get onto your insurance company and a proper motorcycle solicitor type person as from what you've said this should be a pretty easy one to sort out in your favour.

[Andy_Pagin]

Paint diagram please, plus photos of bruises, especially if on tits.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[Rogerborg]

Fuckers just skim.

Contact your insurer now. Tell them that you're reporting an accident, not making a claim.

Unless you have fully comp insurance that's the last you want to hear about it from them.

Tell them to sod off when they try and sell[*] your details to their own ambulance chasers. Find your own firm of clueless paralegals. You can try SorryMate, WhiteDalton and so on, but do pick your own lot and don't hesitate to switch the moment they start to mess you around. If you're in Scotchland (kind of at the border?) then consider Digby Brown, or find a local firm for local bikers.

Be absolutely adamant that you were not at fault and instruct your solicitors to represent you on that basis or get another lot who will. The driver who mashed you up should not have proceeded, you were not filtering, they should have seen you but did not, you had no opportunity to stop, that's 100% liability their way, no compromises.

[*] Ambulance chaser are not supposed to pay referral fees any more. Now they just pay for junkets instead.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[chris-red]

[Andy_Pagin]

It's standard practice nowadays for the other party's insurer's to claim you are 100% to blame regardless of the circumstances, do not be taken in by that load of bollocks.
____________________
They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[pinkyfloyd]

[ginny]

[chris-red]

[CaNsA]

[ginny]

Cansa, Chris red- for your perusal. Source: Thames Valley Police, Vehicle Collision Policy. It's not protectively marked.

Any incident at any location where injury was caused to any party or where damage was caused to any vehicle or property and that incident was owing to the presence of a police vehicle or police officer or a member of staff. The definition of a Polacc is wider than a Road Traffic Act ‘accident’ and may include:
• actual collisions involving a police vehicle
• pursuits where the third party crashes without contact with the police vehicle (See Pursuit Policy for definition of ‘Pursuit’ - Pursuit Policy)
• third party collisions resulting from manoeuvres to avoid a police vehicle or member of staff. In such cases this would relate to specific positive actions such as point duty, attending an incident, etc. rather than merely being ‘present’

Of course the policy could vary between areas, I doubt it changes significantly.

[lihp]

[CaNsA]

[Rogerborg]

Off Topic is the best topic.

[DottyDuck]

[DottyDuck]

May i add, apologies for the pathetic paint diagram! I never had the chance to add me in a pile on the floor with fuel pissing all over my leg. also i didnt add the lovely people that came over to see how i was.
____________________
CBT- 2012 Theory- 18/12/13 Mod 1- 07/01/14 Mod 2- 15/01/14
Old Bike: Zontes Panther 125cc - wrote off Current Bike: Kawasaki ZR7

[pinkyfloyd]

When you call your insurance explain to them that you are not claiming against your insurance. You will be claiming against the other parties. You are not liable and the other person is 100% in the wrong. Your insurance company will advise you of your next step. Make sure you give them all the details you have too, including the police refference numbers if you have any.

If the other party tries to say you were to blame you have the police and witness back up which will absolve you of any blame.

As for a bike, that depends on whether your insurance covers a replacement while investigations are going on. What happens is your insurance company and his will fight it out. In this case all costs will end up being covered by the other driver as it was his fault but it will take a bit of time. Your insurance policy will have the info on a replacement bike. If not then ask them for one as they will recoup the cost from the other driver.
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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.

[janner_10]

[CHR15]

[DottyDuck]