Bike accident that was my fault.

[c4rlos1987]

Hi, I had a crash on my Yamaha yzf r125 and it was my fault. What happens now? I was told by the estimator that my bike has a lot of panel damage and may be written off. In the event it is a write of m, what happens??? I am fully comprehensive. Thanks people!!![/quote]
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C.Ferro

[Minty]

Assuming you are claiming against your own policy for your bike and no other parties involved then they value bike, you agree/haggle value and they pay it minus your policy excess.

You then get dry humped at renewal and subsequent years as you have a fault claim and less/no NCD.
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My fingers smell of your mum.

[arry]

What happens is they assess the damage, assess the value and if one = more than a certain percentage of the other the bike will be written off.

They will then make you an offer of what they believe the vehicle to be worth prior to the damage. If you accept they will deduct your excess and pay you the balance.

You then have the choice to spend it on another bike, and pay the ridiculous insurance premium you're likely to attract.

Why is your broker not helping you through this process?

[c4rlos1987]

Thanks, they've taken my bike off to a body shop, I was just wondering what will happen. Am I entitled to take my bike back and some money??
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C.Ferro

[c4rlos1987]

Thanks mate. Your mum has my load all over her dirty face.
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C.Ferro

[arry]

[yen_powell]

[M.C]

Chances of this fully comp' policy being with MCE (and an excess of at least a grand)?

I'm felling lucky

[pompousporcup...]

[MarJay]

[notbike]

[arry]

[talkToTheHat]

If OP can spell, i'd take mechanics as a branch of applied mathematics, specificly that covering equations of motion and properties of materials. Possibly so far abstracted as to be almost arcane. Run.
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Bandit. does. everything.

[SuperMike]

As per above. Depends on the damage and whether you will get the salvage back.

As an aside, I went through all this and my bike was Cat C'd - uneconomical to repair. Got an entire replacement body panel from Thailand - genuine parts for a shade short of £200. The insurers will price it all up as per going to the main dealer and getting raped there for parts and labour. If it is just panels then you can fix her up and be back on the road in no time. If it is structural then maybe not.

[Rogerborg]

[owl]

first thing you need to do is bend over...
next you'll want to grab your ankles...

...and finally brace yourself...
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Observation is the greatest source of wisdom.

[definitelyinc...]

[Freddyfruitba...]

[thx1138]

I assumed someone posted an insult and very quickly deleted it?

as the option to delete a message is there if you edit, for a time at least.

[winz]

[Polarbear]

Presuming OP hasn't flounced, this could be one to keep an eye on for when boredom sets in.
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Triumph Trophy Launch Edition

[arry]

[Monkeypony]

[Minty]

No, my fingers really do smell of his mum.
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My fingers smell of your mum.

[Monkeypony]