Insurance claiming.

sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

So I got taken out on Saturday morning and a little confused as to if I have a handle on everything I need to do.
I have reported it to his insurance he has admitted liability.
Been to the doctors been referred for physio which I believe I will be getting privately payed for by his insurer. Police have been informed.
Bikes getting collected Friday to be assessed.
And have had a loan bike delivered today for getting about on.
As I am self employed I have reduced my work load, but taking time off completely is a bit of a no go.
His insurers seem to be quite keen to make he process as smooth as possible is this the norm or is there some sort of catch I am missing.
I am going on holiday for a week at the end of next week. Is it ok to do this while in a process of claiming, I can't imagine I will be 100% healed by the time we go away but would rather not cancel the holiday if possible.

Wonko The Sane · World Chat Champion Joined: 20 Jan 2013 Karma :

When I got knocked off I dealt directly with the other chap's insurance who wanted to get things sorted swiftly as it's in their interest to do so and keep costs down.

they'll be paying quite a bit for the hire bike (I assume they offered and have accepted the costs for it) to the extent that the 3 weeks it took for my friend's claim to be settled they could have just bought her a new bike!

I had physio courtesy of the other chap's insurance for six weeks, after which I was deemed to not need further physio and a week or two later settled the personal injury side (don't let them rush this part as it can take a while for things to show and settle)
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sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

Wonko The Sane · World Chat Champion Joined: 20 Jan 2013 Karma :

have that conversation with them, in theory, they could say you don't need it during that time so they shouldn't have to pay for it.

The counter argument is "I'd have had my bike had I not been in the accident"

Depending on damage to your bike it may take longer or not. "I'm going on holiday and not taking the bike, did you want to collect it while I'm away?" puts the decision in their court.

My phone call was "I'm going on holiday the day after tomorrow so there's no point giving me a courtesy vehicle until I get back"

Got home and they'd not done anything (bike was at local garage) so sorted out a vehicle, I suggested a car as I'd not been riding that long and was still on a restricted licence so could have been tricky getting something I could ride that wasn't a 125cc (my commute at the time was mainly motorway)
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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

sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

Will see what happens on friday as I guess it could all be settled quckly in regards to the actual motorbike part. But yeah if that bit looks like it will drag into holiday time as well then they are welcome to the hire bike back while I am away I won't need it.

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

If there's any question over the other parties liability, I'd return the bike immediately. You could end up being rinsed for the cost of the hire which will be extortionate. If you don't need the bike for work, send it back.

https://www.whitedalton.co.uk/motorbike-blog/2016/12/hire-bike-charges/
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andyscooter · World Chat Champion Joined: 30 May 2009 Karma :

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DRZ4Hunned · World Chat Champion Joined: 15 Apr 2014 Karma :

Don't drop the hire bike, it's very expensive. I'd never get one again.

Don't ask how I know Crying or Very sad

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sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

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Val · World Chat Champion Joined: 03 Nov 2012 Karma :

T.C · World Chat Champion Joined: 05 Nov 2003 Karma :

Quite often the other side will go for an early settlement because once you have signed a full and final settlement, you have no further redress if you are still suffering 12 months down the line unless you sue for professional negligence and the difference between your settlement figure and the real value of your claim.

Usually any settlements made in less than 12 months from date of crash are usually about 50% of the real value.

Also bear in mind that once liability has been admitted by the thord party insurers, they are obliged to offer and pay for private medical treatment as they are under a duty of mitigation to encourage a speedy and full recovery.

Also be aware of a part 36 offer being made. If you get what is called a part 36 offer, you have to accept or decline in a certain period of time, and they will often tie it up in legalise s that it appears you have no option but to accept the offer which then takes you back to the full and final settlement and suing for professional negligence route again.
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sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

Its all significantly more complicated than I originally expected thats for sure. I am should be getting physio assessment on Monday and to be honest as said by someone on here would much rather just feel better than worry about anything else. I guess the simple course of action would be to get a solicitor to look after it for me, that kind of feel like I am trying to exploit things though. I assume I would be ok to speak to a solicitor while this is going on though? Would much rather have stayed in bed on Saturday morning.

Wonko The Sane · World Chat Champion Joined: 20 Jan 2013 Karma :

sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

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Ariel Badger · Super Spammer Joined: 02 Dec 2006 Karma :

2 rules. Never believe a word a representative of an insurance company says to you, get it in writing,
Never tell the truth or put the truth in writing if asked by a representative of an insurance company.
They want your balls, they will get them either tomorrow or over the next five years.
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sjc · Borekit Bruiser Joined: 09 Oct 2015 Karma :

well just to update, spoke to an engineer on Friday, bike has been written off and a settlement agreed for that and keeping the salvage as I am unsure what want to do with the bike yet.
So just everything else to sort out now. Sure they will be on the phone on Monday to me to go over the details of the bike settlement.