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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Posted: 14:46 - 14 Dec 2019 Post subject: Another 'insurance claim advice' post |
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Yeah, sorry, but would be great to get some input; I reckon one thing BCF is not short of is experience of dealing with insurance companies...
So today I'm driving (my car) down a narrow urban side-road where there's only room for one vehlcle to pass at a time, due to cars parked both sides.. There's a minibus coming towards me 50 yards away, so I stop adjacent to a long space where there's no cars parked on his side of the road, and flash him to come forwards. He duly does so, but manages to scrape the rear offside corner/bumper of my car with his rubber bumper/wheel. My damage (two badly scratched panels) is probably around £600's worth? Minibus isn't even scratched.
I was completely stationary at the time (I got contact details for an independent witness who will hopefully corroborate that) there was plenty of room for him to get though anyway and no doubt he was 100% in the wrong, so obviously I'm thinking why shouldn't I claim against him, or get him to cough up cash for the repair? But.
Turns out the minibus is owned and insured by a church, and just lent out to somebody for the day, to transport a bunch of 'people with learning disabilities). I can't even speak to the vicar responsible for the vehicle until Monday. I'm sure that will mean there's no chance of a cash settlement. I also strongly suspect that chummy will not roll over, and will try to claim the collision was my fault, or at least 50:50, which will screw things up for me (he certainly didn't apologise on scene).
So if I do claim, obviously my insurers will get to know, and I'll have to declare this on all insurance quotes for the next X years. I'm wondering what the chances are of it being deemed a 'no fault' claim My car policy has an excess of £360, full protected NCB, and an annual premium of £408; my bike premium is £508 (following a big fault claim last year) so I'm worried about the impact that a second claim will have on my bike insurance preimums too.
Y'know - having written this lot down, actually I think I've just convinced myself that realistically, my best option is to just pay for the damage myself and to go and punch a wall or something. Anyone disagree?
Diagram below (def not to scale):
https://i.imgur.com/G2FNMvK.jpg?1 ____________________ KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS |
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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Riejufixing |
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Riejufixing World Chat Champion
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Ayrton |
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Ayrton World Chat Champion
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Polarbear |
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Polarbear Super Spammer
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WreckTangle |
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WreckTangle Scooby Slapper
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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iooi |
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iooi Super Spammer
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- Super Spammer
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Ste |
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Ste Not Work Safe
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Posted: 19:03 - 14 Dec 2019 Post subject: |
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Ayrton wrote: | I dont see how it could be declared as your fault since you were stationary. |
Nobby the Bastard wrote: | they are going to have difficulty trying to apportion blame to you simply because they hit the rear quarter of your car |
Agreed. But as I mentioned before - if the third party does try it on, given the low value of the claim, I don't know whether the insurers will simply not bother looking into the evidence at all, and simply go "Meh - 50:50, knock-for-knock", in which case I'd much rather not have claimed at all. (That's really why I posted here?)
WreckTangle wrote: | did you get any dashcam footage? you will find that if they claim that you were at fault, the instance you mention 'dashcam footage' they will immediately back down. |
It's now on my Xmas list! I'm not going to claim I have any footage now, as chummy would (correctly) reckon I'd have mentioned at the roadside and would probably call my bluff, which would make me look pretty stupid...
Polarbear wrote: | if said mini bus driver argues the toss Freddy better hopes his witness comes through.
A thought, how big was the minibus? Don't you need a PSV licence if it's over 7 people? Could he be uninsured? |
Yeah. Bit worried about that as the bugger still hasn't answered his phone since the incident.
Re: PSV insurance - I imagine as the vehicle is owned and insured by the church that they'll have that aspect sorted. Not my major concern at the moment, anyway.
mpd72 wrote: | if the minibus was already pulling back out from the clear parking spaces, then the road ahead should have already been clear for the OP, so why still stationary and not driving on, making it easier for the minibus to pull back out? |
I get where you're coming from and that's what I'd normally have done (I've been driving on this road regulary for about 25 years now) but in fact the prat barely even steered towards the spaces, and drove past my car almost parallel and very close to me, so I was waiting until he'd finished his manouvering before moving off. That went well... ____________________ KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS |
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Hawkeye1250FA |
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Hawkeye1250FA World Chat Champion
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Hawkeye1250FA |
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Hawkeye1250FA World Chat Champion
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Riejufixing |
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Riejufixing World Chat Champion
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Sister Sledge |
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Sister Sledge World Chat Champion
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JackButler |
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JackButler Traffic Copper
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Suntan Sid |
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Suntan Sid World Chat Champion
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Posted: 13:14 - 15 Dec 2019 Post subject: |
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If you go through insurance, it'll go 50/50!
No matter how blameless you were, matters not a jot to the insurers, going 50/50 is easiest route for them, you, as a customer, are merely a secondary consideration.
They will not fight your corner because it will cost them money, going 50/50 means both party's premiums can be loaded for the foreseeable future!
This is not right or fair, but the insurance companies don't care, they've got your money and that's all they care about. Insurance companies have been competing in a race to the bottom for many years and this is where we're at!
A quick google will reveal countless cases similar to this and the overwhelming majority go 50/50 ____________________ "Everybody needs money, that's why they call it money!" |
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Hawkeye1250FA |
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Hawkeye1250FA World Chat Champion
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Posted: 13:59 - 15 Dec 2019 Post subject: |
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Suntan Sid wrote: | If you go through insurance, it'll go 50/50!
No matter how blameless you were, matters not a jot to the insurers, going 50/50 is easiest route for them, you, as a customer, are merely a secondary consideration.
They will not fight your corner because it will cost them money, going 50/50 means both party's premiums can be loaded for the foreseeable future!
This is not right or fair, but the insurance companies don't care, they've got your money and that's all they care about. Insurance companies have been competing in a race to the bottom for many years and this is where we're at!
A quick google will reveal countless cases similar to this and the overwhelming majority go 50/50 |
Unfortunately agree with this.
With no dash cam footage or recorded confession from the other guy, not much chance. ____________________ 1993 RF400R - 2002 Bandit 1200 - 2012 1250 FA |
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Hawkeye1250FA World Chat Champion
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Easy-X |
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Easy-X Super Spammer
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jimspeed |
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jimspeed World Chat Champion
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Shaft |
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Shaft World Chat Champion
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Posted: 00:23 - 16 Dec 2019 Post subject: |
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Freddyfruitbat wrote: | Only a very shitty one I took on scene this afternoon (and it's dark outside now!)
https://i.imgur.com/epFotY8.jpg?1
It's all plastic bodywork. The panel above the wheel is just scuffed; whereas the rear one will need a bit of body filler too; also if you look at the seam between the two panels, at about 10 o'clock from the wheel, that's a now bit wider than it should be and the rear panel (which is actually the side of the one-piece 'bumper') is now slightly proud of the adjacent one; so although everything feels firm, it looks like there may also be some hidden mount damage too. Probably the sort of job that if fixed by insurer could cost a packet (whole new bumper?), compared with a 'best efforts' job if I was paying cash for it.
BTW the disc under the car is a hub cap off the minibus. |
If that was all I had to go on, as a VDA/ATA assessor, I would put that down for a new bumper cover (they normally come pre painted from Ford, dearer part, but cheaper labour) new bumper guide bracket, a couple of hours repairing the quarter panel, plus a blend into the door.
With paint and materials, that's at least 1500 quid to an insurance company, also assuming there isn't any damage to the panel that the bracket is attached to.
I can't tell you which route to go down, but some numbers might help. ____________________ Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
WooHoo, I'm a Man Point Millionaire! https://www.bikechatforums.com/viewtopic.php?t=234035 |
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Old Thread Alert!
The last post was made 4 years, 133 days ago. Instead of replying here, would creating a new thread be more useful? |
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