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aardys
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PostPosted: 14:36 - 17 Apr 2017    Post subject: accident advice Reply with quote

i had a car pull out on me and had a very serious crash ,
not my fault of course , but bike is a right off so is the car as far as i know , i have injuries etc ,
i just wanted to know from anyone else that has needed to claim,
a ball park of how long it takes to be sorted , as in , weeks or years .
as i have no transport now
thanks chaps
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SuperMike
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PostPosted: 14:47 - 17 Apr 2017    Post subject: Re: accident advice Reply with quote

aardys wrote:
i had a car pull out on me and had a very serious crash ,
not my fault of course , but bike is a right off so is the car as far as i know , i have injuries etc ,
i just wanted to know from anyone else that has needed to claim,
a ball park of how long it takes to be sorted , as in , weeks or years .
as i have no transport now
thanks chaps


From the one time I have been through it about 18 months from crash to payout. 100% not my fault, all caught on my helmet cam, but still they dragged it out.

Do you have witnesses? Do you have any footage? Has the other side owned up? Did the police attend? Unless the driver is going to be up front and say yup 100% my fault, get settled in for the long run. His / her insurers will be advising him / her to deny everything anyway, so get comfortable!
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Rogerborg
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PostPosted: 14:50 - 17 Apr 2017    Post subject: Reply with quote

<IMO>Injury = years.

You can ask for interim payments once blame has been admitted.

Instruct your own firm of bike specialist solicitors, don't be fobbed off by any random mob of renta-paralegals to whom your insurer sells refers your case.</IMO>

Awaits arry, Ste for the real story.
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Last edited by Rogerborg on 14:52 - 17 Apr 2017; edited 1 time in total
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Ste
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PostPosted: 14:51 - 17 Apr 2017    Post subject: Re: accident advice Reply with quote

SuperMike wrote:
Unless the driver is going to be up front and say yup 100% my fault

But it's the insurance company who need to admit liability. Laughing

As to how long it will take... how long is a piece of string?
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Wafer_Thin_Ham
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PostPosted: 15:15 - 17 Apr 2017    Post subject: Re: accident advice Reply with quote

aardys wrote:
i had a car pull out on me and had a very serious crash ,
not my fault of course , but bike is a right off so is the car as far as i know , i have injuries etc ,
i just wanted to know from anyone else that has needed to claim,
a ball park of how long it takes to be sorted , as in , weeks or years .
as i have no transport now
thanks chaps



Years I would guess. Why not get a rental bike and bill the other side? Or just buy another.
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ThatDippyTwat
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PostPosted: 15:17 - 17 Apr 2017    Post subject: Reply with quote

My mates just got his compensation 4-5 years after the accident, which also resulted in criminal charges against the driver and others in the truck. Wheelchair bound, multiple surgeries and no-one thought he'd pull through, and blame was admitted fairly quickly, pretty much open and shut after a few weeks.

You may be waiting for a looong time.
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Ste
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PostPosted: 15:21 - 17 Apr 2017    Post subject: Reply with quote

It's the personal injury stuff that can take a very long time as the long term effects aren't known until you've recovered as much as you're going to.

With serious injuries you don't want to be settling the claim quickly because you don't know the full extent of those injuries.
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ackack
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PostPosted: 15:37 - 17 Apr 2017    Post subject: Reply with quote

Did you call the police?
The driver got done for driving without due care when I got punted off on a roundabout. Payout for bike was within 3 weeks and injury settled after 4 months with physio paid for by 3rd party as well.

I may have been lucky but I felt that because the driver got done by the police the other insurer couldn't dispute fault.
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arry
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PostPosted: 15:43 - 17 Apr 2017    Post subject: Reply with quote

I would be saying deal directly with the TP insurer if it's one of the big ones, tell them you will be instructing solicitors for your injuries but give them the chance to offer you up a hire vehicle before the parasites get involved and lease you a car for two grand a day. A lot of that will of course depend on whether their driver doesn't suggest you were doing twice the speed limit whilst pulling a wheelie and slaughtering kittens with hands you should have had on the bars. If that happens, all bets off on getting a vehicle other than the cowboy option, unless of course you hire one yourself and can wait to claim it back.

As Roger says, legal up with a good well respected firm, don't take the referral and absolutely do not respond to anyone ringing up asking if you've been injured.

Keep a log of everything you're out of pocket and make sure you act well within medical advice (and indeed make sure you seek it properly) as to not prejudice yourself.
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SophR so good
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PostPosted: 15:52 - 17 Apr 2017    Post subject: Reply with quote

Depends if you have any evidence that its his fault. Him admitting it at the scene may very quickly turn into you doing 90 on the back wheel into his parked car. I'm 5 months in and still arguing liability as no footage or useful witnesses.
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aardys
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PostPosted: 16:03 - 17 Apr 2017    Post subject: Reply with quote

he has admitted his 100% fault to the police .
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Wafer_Thin_Ham
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PostPosted: 16:11 - 17 Apr 2017    Post subject: Reply with quote

aardys wrote:
he has admitted his 100% fault to the police .


Do they have this in writing? Expect this to change once he's talked to his insurers/family.
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aardys
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PostPosted: 16:14 - 17 Apr 2017    Post subject: Reply with quote

the police told me they have enough for a conviction if needs be, but at minimum, he will have to do a traffic awareness course at his expense.

not going into any further details just wanted a rough time frame from anyone that has had an accident
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Ste
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PostPosted: 16:25 - 17 Apr 2017    Post subject: Reply with quote

It could be a few months or it could be more than ten years depending on the severity of your injuries.
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arry
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PostPosted: 16:42 - 17 Apr 2017    Post subject: Reply with quote

Leaving the injuries to one side, with some swift precise action talking to third party insurer, and an early admission of liability you may well get a cheque for your material losses (bike, kit) within a couple of weeks.

As Ste says, extent and nature on injuries will determine how long it'll go on for. Insurers are a bit nervous of part 36 offers at the moment as they believe the law record amendment of the discount rate may be rescinded, but if there's no long term future care etc element then this won't come into play.

More info required or, as said, piece of string.
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ADSrox0r
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PostPosted: 17:38 - 17 Apr 2017    Post subject: Reply with quote

I'm still waiting for compo from an off in January 2016. Driver admitted full liability and was subsequently prosecuted for dangerous driving.
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Ste
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PostPosted: 17:40 - 17 Apr 2017    Post subject: Reply with quote

ADSrox0r wrote:
Driver admitted full liability

Have the insurance company admitted liability?
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Itchy
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PostPosted: 17:49 - 17 Apr 2017    Post subject: Reply with quote

Had a similar crash June 3rd 2016.

The other side admitted liability, their insurance admitted liability.

The following things have happened:

Recovered bike.
(broken) bike was taken away.
Bike was valued, bike was declared a Cat C write off.
Bike was sold to the company who assessed the damage.
Got a cheque for a replacement off her insurance.
Got a cheque from the valuation who bought is as salvage.
Had medical assessment 1.
Had some physiotherapy.
Had medical assessment 2.
Had many phone calls from them.
They then say on the case for 3 months.
The claim has been referred to the other side apparently they have till May 23rd to respond.

I'm still waiting. Meanwhile my insurance got loaded.


Sister had a crash guy pulled out of a side road without looking in a car. IIRC that took nearly 5 years resolve.
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ADSrox0r
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PostPosted: 17:51 - 17 Apr 2017    Post subject: Reply with quote

Ste wrote:
ADSrox0r wrote:
Driver admitted full liability

Have the insurance company admitted liability?


Have they bollocks, they haven't even admitted their own existence. I'm not hopeful, to be fair the amount I was chasing was a pisstake (new fairings and OEM luggage for a Viff you say? Ha!) I'm in no rush it didn't cost me anything other than the loss of resale value.
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Monkeypony
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PostPosted: 18:25 - 17 Apr 2017    Post subject: Re: accident advice Reply with quote

aardys wrote:
i had a car pull out on me and had a very serious crash ,
not my fault of course , but bike is a right off so is the car as far as i know , i have injuries etc ,
i just wanted to know from anyone else that has needed to claim,
a ball park of how long it takes to be sorted , as in , weeks or years .
as i have no transport now
thanks chaps


If you're fully comp, and can't afford to replace the bike out of your own pocket, claim for your bike through your insurance and then wait for the excess and compo from the drivers insurance.

If you're not fully comp, you'll likely be in for quite a wait I'm afraid.
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andyscooter
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PostPosted: 21:23 - 17 Apr 2017    Post subject: Reply with quote

Badly broken leg took just under two years to deal with
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TheSmiler
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PostPosted: 21:44 - 17 Apr 2017    Post subject: Reply with quote

Currently dealing with a claim from November, I've been given a time expectancy of 3 years so far.
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natefz6
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PostPosted: 14:52 - 18 Apr 2017    Post subject: Reply with quote

October 2015, Still waiting.

I got the bike back December 15 and there has been to's and fro's with medical reports etc, but no liabilities attributed despite him admitting it was his fault at the scene and him hitting me during an illegal manoeuvre.

Fingers crossed it might get sorted by 3 years.
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M.C
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PostPosted: 18:55 - 18 Apr 2017    Post subject: Reply with quote

Jeez, mine was 14 months and I didn't even want to settle due to ongoing injuries. Without those issues I would have settled within a year, and that's with arguing over liability.
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