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Neighbour reversed into my bike...

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Lcrooks89
L Plate Warrior



Joined: 28 Apr 2018
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PostPosted: 19:14 - 28 Apr 2018    Post subject: Neighbour reversed into my bike... Reply with quote

Hi all,

I'm new here and looking for some advice. I have a 2014 ER6F and just passed my test last August 😊


So, my car decided to poop it's pants last Thursday so I went up to my parents where I had been keeping my bike over winter to bring it home. I normally park the bike tight up to the back window of the apartment so that's where Perry (don't ask 😂) returned to. The following morning my neighbour reversed into my bike knocking it over.

Upon initial inspection we didn't notice much damage. Nothing to the fairing but scrapes to the handlebars brake levers and mirror. As a new biker I felt the need to take it to a local garage to get checked over. Ended up with a few more problems than I thought. Close to £800 worth of damage. Bent handlebars, broken indicator etc. Also noticed the front fork had a chunk taken out of it.

When I bought the bike there was only one mark on it, not even the size of your little finger nail, now there are some considerable scrapes.

Neighbour was very easy to deal with initially but now he seems to be getting a little awkward when I gave him the estimate for repair. He said we would go through the insurance company and has now changed his mind to getting somebody else to price the parts.

Is it bad that I just want my bike to be in the same condition it was?

Anyone any experience with this sort of thing? Any suggestions/help would be appreciated.
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NJD
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PostPosted: 19:22 - 28 Apr 2018    Post subject: Reply with quote

I feel that this thread was also made by you.

Happy Sock Saturday.
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Lcrooks89
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Joined: 28 Apr 2018
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PostPosted: 19:25 - 28 Apr 2018    Post subject: Reply with quote

Nope not me... Or are you being sarcastic? 😂

NJD wrote:
I feel that this thread was also made by you.

Happy Sock Saturday.
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Tankie
Crazy Courier



Joined: 24 Feb 2017
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PostPosted: 19:26 - 28 Apr 2018    Post subject: Reply with quote

Tell him that's the cost, advise your ins company,
but tell them not to do anything ...yet.
tell him to ether pay for the repairs or get his ins company details ,and then go to his ins company and put in a claim.
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Lcrooks89
L Plate Warrior



Joined: 28 Apr 2018
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PostPosted: 19:29 - 28 Apr 2018    Post subject: Reply with quote

Thanks for replying..

Already informed my insurance company. They suggested to try settle it privately which I initially thought my neighbour wanted to do. Suppose I will have to wait and see what he comes back with. He just better not refuse to give me his details. The North West is nearly here 😂

Tankie wrote:
Tell him that's the cost, advise your ins company,
but tell them not to do anything ...yet.
tell him to ether pay for the repairs or get his ins company details ,and then go to his ins company and put in a claim.
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MCN
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PostPosted: 00:59 - 29 Apr 2018    Post subject: Reply with quote

You get it fixed where you want to.

You do not need to be forced to get it done cheap.
I would price it at a dealer and ram his insurance.

Prick.....

He will learn to fear bikers hopefully.
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 01:01 - 29 Apr 2018    Post subject: Re: Neighbour reversed into my bike... Reply with quote

Lcrooks89 wrote:
etc

Got a list of the £800 of parts that are needed?
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Lcrooks89
L Plate Warrior



Joined: 28 Apr 2018
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PostPosted: 07:11 - 29 Apr 2018    Post subject: Re: Neighbour reversed into my bike... Reply with quote

https://photos.app.goo.gl/DuwkFPMh03i68EFp1

Here ya go Smile

Ignore the panel part. There already was the tiniest scrape there and I told him that. I have no intentions of screwing anyone over ☺️

Ste wrote:
Lcrooks89 wrote:
etc

Got a list of the £800 of parts that are needed?
[/url]
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G
The Voice of Reason



Joined: 02 Feb 2002
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PostPosted: 12:18 - 29 Apr 2018    Post subject: Re: Neighbour reversed into my bike... Reply with quote

That parts list isn't cheap - and presented on a hand scrawled bit of note paper. Apart from the bars at least, the parts prices do seem about right.

He presumably wanted to avoid the hassle and expense of a claim - a £1k bill isn't really going to offset that, so seems quite reasonable he'd want to go through insurance.

Quite reasonable you want to get it sorted to the state it was in - and quite reasonable he wants to use his insurance to do this.

Of course, if you were going to pocket the near-£1k and get it fixed for £100 DIY, then it won't work out so well to you - if that was the case, you could always ask him for a smaller bribe in full and final payment by cash Smile.
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Rogerborg
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PostPosted: 13:15 - 29 Apr 2018    Post subject: Reply with quote

Tankie wrote:
advise your ins company

Why?

What does it have to do with them?

Lcrooks89 wrote:
Already informed my insurance company.

Whyyyyyyyyyyyyyyyyyyyyyy? Brick Wall

Lcrooks89 wrote:
They suggested to try settle it privately

After recording the loss, which you'll now have to declare for 3 to 5 years, regardless of blame or fault.

Ignore him, contact his insurer directly. Don't wait for him to do it - the longer you delay, the more chance he'll re-write the incident in his head.

If he gets cagey about his details, pay £4 here:

https://www.askmid.com/askmidenquiry.aspx

Then add that to your claim.

If at all possible, get an independent witness or an admission of fault from him.
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Tankie
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PostPosted: 13:18 - 29 Apr 2018    Post subject: Reply with quote

because with most policies you must tell them , that's why.
You can also instruct them not to act on that information
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Rogerborg
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PostPosted: 13:44 - 29 Apr 2018    Post subject: Reply with quote

Tankie wrote:
because with most policies you must tell them , that's why.

Yes, but why would you?

Tankie wrote:
You can also instruct them not to act on that information

Can you instruct them to not record the loss that you've just told them about?
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Tankie
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PostPosted: 13:52 - 29 Apr 2018    Post subject: Reply with quote

You just tell then there has been a collision , you are not obliged to give them any costs at this point, so you retain your no claims and control of the situation.
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NJD
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PostPosted: 14:01 - 29 Apr 2018    Post subject: Reply with quote

Rogerborg wrote:
an admission of fault from him.


And this is a case by case suggestion -- in that it could be useful here -- or general advice?

I ask out of interest because I didn't think admission, recorded or otherwise, meant anything when it comes to the claims department of an insurance company making their mind up as to who was at fault in the event of an accident between two vehicles.
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 14:40 - 29 Apr 2018    Post subject: Reply with quote

Tankie wrote:
You just tell then there has been a collision , you are not obliged to give them any costs at this point, so you retain your no claims and control of the situation.

What's the benefit of telling them?
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Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
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PostPosted: 15:30 - 29 Apr 2018    Post subject: Reply with quote

kramdra wrote:
Your price list is a complete piss take, more expensive than dealer prices. The only notable item there is the fork leg, it would be interesting to see a pic of the damage.

33 quid for a bar end ! 55 quid for a mirror on a shitty er6 Laughing


33 quid for a bar end is legit.

https://www.fowlersparts.co.uk/parts/view/13042-5002
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kgm
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PostPosted: 15:53 - 29 Apr 2018    Post subject: Reply with quote

kramdra wrote:
Your price list is a complete piss take, more expensive than dealer prices. The only notable item there is the fork leg, it would be interesting to see a pic of the damage.

33 quid for a bar end ! 55 quid for a mirror on a shitty er6 Laughing


Having owned and rebuilt an er6 after a crash those prices are about right for OEM parts. Why should he buy shitty aftermarket China parts when it was someone else's fault?
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Rogerborg
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PostPosted: 17:04 - 29 Apr 2018    Post subject: Reply with quote

Tankie wrote:
You just tell then there has been a collision , you are not obliged to give them any costs at this point, so you retain your no claims and control of the situation.

And since you're being absolutely honest, when you're asked during your next quote (for every policy and every vehicle) whether you're suffered any accident, claim or loss for any motor vehicle in the past 3 to 5 years, regardless of blame, what do you answer, and why?
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MCN
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PostPosted: 18:06 - 29 Apr 2018    Post subject: Reply with quote

Tankie wrote:
You just tell then there has been a collision , you are not obliged to give them any costs at this point, so you retain your no claims and control of the situation.


They are quite within their rights (and they do) to load your premiums.

Of course you do not have to accept and shop for cover elsewhere.

But you will still be on the naughty step for 3-5 years.

And they can still load your premiums.

The clue is in the words 'No Claim Discount'.

If you make a CLAIM it is always considered at renewal time. Fault or Non-Fault.
Dem is Da Roolz.
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MCN
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PostPosted: 18:10 - 29 Apr 2018    Post subject: Reply with quote

Rogerborg wrote:
Tankie wrote:
because with most policies you must tell them , that's why.

Yes, but why would you?

Tankie wrote:
You can also instruct them not to act on that information

Can you instruct them to not record the loss that you've just told them about?


Because folk sometimes do decision without asking you. 😔

😂
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Wafer_Thin_Ham
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PostPosted: 18:14 - 29 Apr 2018    Post subject: Reply with quote

kgm wrote:
kramdra wrote:
Your price list is a complete piss take, more expensive than dealer prices. The only notable item there is the fork leg, it would be interesting to see a pic of the damage.

33 quid for a bar end ! 55 quid for a mirror on a shitty er6 Laughing


Having owned and rebuilt an er6 after a crash those prices are about right for OEM parts. Why should he buy shitty aftermarket China parts when it was someone else's fault?


Why should he be saddled with OEM, when you can buy nice aftermarket parts for less? £70 for OEM bars is laughable. You can get LSL bars which are far nicer for less money.

Also £240 in labour!?

I get he wants it as it was pre-shunt and rightly so, but there must be a little middle ground here? You're both grown ups see if he'll cash you £500 and just swap the bars out. Get another brake lever and live with the scrapes for the next time you lob it.
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kramdra
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PostPosted: 18:18 - 29 Apr 2018    Post subject: Reply with quote

The most important thing here... Pics are required. How can we say the repair quote is reasonable without pictures. Some of the bike damage as well Very Happy

Nobby the Bastard wrote:


Dealers are in the business of making a bike uneconomical to repair, so you will buy a new one. They have no obligation to charge sensible prices, and 33 pounds for a bar end, 56 pounds for a single mirror, is ridiculous. Everything, including OE parts, are made in china. Your argument of Chinese quality is irrelevant. 50 pounds for a brake lever. It is within the range of premium brand aftermarket levers www.demon-tweeks.co.uk/motorcycle/levers/bike/kawasaki/2000/zx6r-j1/pazzo-brake-lever-black-standard-with-red-adjuster

We are talking about a 4 year old commuter 600, one which was slapped together with the cheapest parts the OE supplier had. There are many reputable suppliers with equal quality parts. I have no issue with presenting that price list, but the difference would be spent on booze, fuel and other nice things while also giving the bike a nice upgrade. There are also vastly improved parts available cheaper. Some may be compatible from the ZX-6R.

Id recommend these, or similar. Yes, Chinese aftermarket, had them forever with no problems. However the same part is available from a reputable UK brand for about 30 quid. www.ebay.co.uk/itm/281241553390
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G
The Voice of Reason



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PostPosted: 18:43 - 29 Apr 2018    Post subject: Reply with quote

I had a look and the bars are the only thing I saw actually overpriced - an extra £13 ontop of fowlers price.
I wonder if the round-number £
Tankie wrote:
You just tell then there has been a collision , you are not obliged to give them any costs at this point, so you retain your no claims and control of the situation.

You do lose access to reasonable premiums until the claim is settled if you need to get new insurance - an unsettled non-fault claim can add more than a high-value settled at-fault claim for some people.

Also you may find your insurance for the next 3-5 years is increased anyway.
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ThatDippyTwat
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PostPosted: 18:44 - 29 Apr 2018    Post subject: Reply with quote

kramdra wrote:
...Teflike autism...


It doesn't matter a fucking jot what you think of dealers prices or OEM stuff. They have a right to be made whole. OEM stuff got broken, OEM stuff gets put back on. It's so fucking simple even you should be able to comprehend it. Why on earth should the OP be out of pocket come resale time because it's got shite aftermarket tat on it?
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