Motorbike accident [Should i make claim for insurance or not

[ko5i]

Hi all .
Yesterday i had small accident. I was riding straight on left side next to slowly moving cars and there was old lady in vauxhall corsa turning right from opposite direction into car park, and she hit me on the right side [lucky i was going with limit because if i was going faster i would hit this lamp post] and i was felling on left side so i didnt wanted my left foot to be stuck between this kerb and bike frame so i jumped out of the bike on pavement and slided a bit, got up looked at bike and then at this car who hit me and tehre was some old woman didnt even realised what happen after like 1 min she got out and walked to me and like what did you do ???? what are you doing ?? you are standing nothing wrong goooo !! [even tho i was hurt i was like lol what ] but yeah then some lady called police and told lady to chill and move the car. Went to hospital got xray and nothing broken but my right foot is really swollen, doesnt even fit my socks or shoe but the nurse said its fine just put some creme and ice on it also my right side of body hurts probably just muscle like muscle pain rigth arm and left arm aswell more like upper arm around shoulder and scratched knee.

I checked today at bike and these are the damages :
Left steering handle bar screw snapped but easy to take it out and just need to get new one the screw.
Left panels scratched, and one panel is crached [the piece of it snapped and is missing]
The gear lever is i think bend or something because when i downgear it touches panel.
The right side the brake lever is beeend [i will add pictures], i could bend it backwards with hammer i think or something and the foot peg the screw i think snapped cuz it turns around the peg, and also small dent on exhaust.
I could fix it all for about 60£ i think or even less so i dont know if its point calling and making claim to insurance, because if i lose i will lose my no claim bonus [which i will have in 2016 may 1 year no claim] and if i get written off or money for it the bike will have category and it will lose its price when i would wanna sell it next year in may. So i dont know if i should claim insurance and get paid or what any advice guys [i will sketch what happened]
See attachment of google street view : Im the blue arrow and the lady who crashed is red and ''apparently'' the guy in my lane flashed her light so she just went without looking if someones going from behind car who flashed there could be cyclist aswell, and also she kinda not like burnout or anything but accelerated fast without stopping or anything so when i started passing this car ''who flashed'' i saw her comming quite fast but i was already like 1/4 of this car park entry so if i stopped i would be at 2/4 or 3/4 of entry and she will hit me fully in middle and maybe even run over, so i didnt stopped didnt even had time to stop cuz it happened fast so she hit me i think where brake lever is because is bend mostly and then i fell where the black circle is next to lamp post
[lucky i bought protective gloves last week because my hands will be hurt aswell]

So what you guys think should i just forget it and fix it by my own and be happy without having category and struggle waiting all this time [because i could even fix it in 2 days or less] or make this claim and see what happens. Because i dont think i will get like 1000£ for claim or anything like this cuz as i said its not really damaged, my dad said they apparently if i claim some guy should come and inspect the bike and see whats wrong and make cost of prices based on new bike as it was 2015 worth 4000, so like if panel broken they wont calculate as my bike from 2012 but will take price from 2015 aswell all the fixes and stuff idk if its true but if they do pay me for example lets say even 400£ or 500£ they probably will put category on bike which i wont sell it for 2500 as i wanted but with category the price will go down so i might just fix it by my self for like 50£ and sell it later for good price

[iooi]

WTF are you riding up the left hand side of the cars......

Pushbikes NEARSIDE
Motorbikes OFFSIDE

TBH. You are on a hiding to nothing given your came up the inside of a stopped car.
Even though she was flashed she should have proceeded with caution and been able to stop in case anything was where you were.

Take it as a lesson learned and ride in the correct place on the road
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Just because my bike was A DIVVY, does not mean i am......

[ko5i]

Yeah i know same the police lady said to me, thats why i have still L plates cuz still learning, now i will learn from mistakes and know where to ride on which side but even tho i see some bikers without L plates riding nearside but yeah i will ride offside since now but what about my quesiton

[NJD]

[ko5i]

Thanks for reply but also question why should i avoid it to claim it in insurance

[NJD]

[Rogerborg]

If it looks safer to ride up the inside go ahead, but you have to be super paranoid at junctions or this will happen again. I won't as I've almost been taken out in the same manner.

Should you make an insurance issue of it? I wouldn't.

https://www.motorcyclecompensation.co.uk/Fagan-V--Jeffers-2005.aspx

[ko5i]

so yesterday right after accident police told me to call the insurance so i did and they said will send letter about further stuff like details about accident and stuff, and i wanna cancel it now like because you guys say its not worth it cuz 50%50% but my dad keeps saying dont ever cancel its definitetly her fault you are not lawyer you dont know stuff dont cancel ??

[NJD]

[Undinist]

Fix it yourself. If you claim you won't just lose your NCD, you'll have a loading for an 'at fault' accident so your premiums will be increased for the next few years. (I think it's 5 years with most insurers?) And if you want to get a big bike in the next few years you might not be able to get cover at all.

If you claim and the bike is fixed with new parts, sod's law says it will fall over and get all scratched again. It's never a good idea to treat yourself to new levers and plastics until just before you sell the bike.

I overtake in the gutter a lot, but sometimes it's the only way to keep moving. The thing to remember is that any gap in a queue of traffic is going to be filled within a nanosecond by an eager car driver who is in too much of a hurry to check properly for motorbikes and pushbikes. You've learned a good lesson without serious injury or time off work or hurting someone else and it's only costing you a couple of tanks of petrol. That's a pretty great result and you should be celebrating.

Edit: just seen your most recent post. You're screwed now. That call has marked your card for years. I'm afraid you're now going to learn some more lessons, the hard way.
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Current bike: K1100RS. Previous: CD200, GSX250, GT550, VFR750, K100LT, K1100LT, R1100GS, R1150GS, ZZR1100, Hayabusa, RSV Mille, MV F4 750S, R1, ZX-10, KTM Adventure 950S

[Wafer_Thin_Ham]

[ko5i]

Well i totally forgot about mentioning this because i did as police said and my friend but later when i checked the damages in day light today i realised nothing really wrong i can fix it for 50£ or even less and my friend told me to like not to call them but i already did so to cancel it and from insurance they said they send letter to me about the accident and stuff so idk should i cancel it or not my dad says not to cuz ''he thinks he is lawyer and know all about insurance and thats 100% fault of hers'' because ''doesnt matter beacsue even if it was bus slowly moving you wouldnt see her and its her like right to be careful while turning cuz im driving on the road straight so i have priority'' but for my eye is as you said 50% 50% because she should be careful and go slowly while turning looking if anyone coming out and aswell i should be careful and filter on the inside
So idk thats why i made thread about it here so idk if i should cancel or not my dad says dont you ever so idk i need some sort of proof he is wrong and make him be ok about me cancelling but he keeps saying its 100% her fault

[ko5i]

[Wafer_Thin_Ham]

[ko5i]

Yeah i read it and i know its not 100% her fault its 50% 50%, my dads says its 100%, [same thing when bike was overheating he said blabla its thermostat 100% i was like maybe air or radiator is empty no thermostat just order and replace] so i was ok first let me check if thermostat is working took out tested it it was working checked rad and it was empty cleaned inside drained and put new coolant and done but nooooo it was thermostat


Yeah i wanted to do A2 in september but didnt had money so i was collecting money i got like 300£ now i was looking for job to do it in begining of 2016

Edit: Plus my dad called some company that can get recompensation in accident health injury because of my leg is swollen and i cant really walk hoping on one leg but its not broken just swollen and hurts so even they when they ''will pay'' they wont really pay they will have to get it from the old lady insurance company so there will be 'claim' idk im confused ''life'' just waiting till i finish college and moving out from this home as far as i can

[Undinist]

[ko5i]

So why police and everyone say even if you had small accident you need to call insurance company and tell them so i did told them that i had small accident because if you dont ''its against the law''

[Undinist]

The law says you have to report it to the police because someone (i.e. you) was injured. And the terms and conditions of your insurance policy also say you have to report a collision, even if nobody was hurt. So the advice you got was correct...we are all advising you to break the rules. Because of course we know best!
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Current bike: K1100RS. Previous: CD200, GSX250, GT550, VFR750, K100LT, K1100LT, R1100GS, R1150GS, ZZR1100, Hayabusa, RSV Mille, MV F4 750S, R1, ZX-10, KTM Adventure 950S

[Yorkshire Geek]

You declared an accident, that's now part of your driving record. Even if you don't claim you need to declare that to your insurer for probably the next 5 years, failure to disclose it isnlikely to be sufficient reason to decline to pay out on a claim (they will check if you try and make a claim, and your current insurer will tell them you had this accident).

Sorry dude, that's going to prove to be an expensive phone call over the next 5 years.

[ko5i]

[Undinist]

If you want a big sports bike and you're under 30 it can be almost impossible to get cover. That's why a lot of people will do anything to avoid a claim. If another driver is involved, ask them to deal with it privately without telling the insurers. They might also be keen to keep it quiet. If your bike is wrecked, patch it up with second hand parts from a breaker. If you are lightly injured, don't tell your insurer. The hospital and the police won't. The only way the insurer can find out is if the other driver makes a claim.

If you are seriously injured the rules are different because you might be able to get a big payout for your injuries. But even if it was definitely not your fault, your premiums will still get a loading, and you can say goodbye to the R1 for a loooong time.
____________________
Current bike: K1100RS. Previous: CD200, GSX250, GT550, VFR750, K100LT, K1100LT, R1100GS, R1150GS, ZZR1100, Hayabusa, RSV Mille, MV F4 750S, R1, ZX-10, KTM Adventure 950S

[Stalk]

[ko5i]

so by my recent message about how it happened you still think its 50% 50% cuz i didnt found anything about law saying that going on left side outside of the road is forbidden i saw many riders going on this side alone bikers in london + when she drive and she makes turn SHE has to ensure that its clear and its safe to move and wont make someone on this line going straight press brake [that what i got taught doing my car license which i passed first time, when i moved once [on pre test] turned into side road and made the other driver brake its instantly fail + the cars werent stationary they were slow moving + i couldnt knew if he flashed or not she said he flashed her but he didnt stop he carry on moving as other drivers behind + there could be anyone there even a cyclist and cyclist will probably even go faster than me cuz [im a safe driver i always look around but yeah even if you are best driver you can get into in accident by someones fault, i always go slowly up to speed i feel comfortable and always look eveyrwhere around even on junction when its green light for me i still look around because dont trust other people on road] and she didnt even brake or so ever [obv cuz old slow reflex but still] after i dropped got up looked back she was already 1/4 in the way to car park so if i pressed brake and stopped quick she will just run me over
For me it looks more like her fault cuz she is the one turning and she should ensure she wont interrupt no one.
Even if hers fault it also gave me big lesson to ride inside the road and not outside by the kerb as a motorcyclist

[iooi]

[WD Forte]

Poor Obs


cos bcf
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bikers smell of wee