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DJP |
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DJP Crazy Courier
Joined: 11 Dec 2011 Karma :
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Posted: 20:28 - 10 Nov 2021 Post subject: I Hate Insurance Companies |
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No, not the usual.
A month ago I was knocked off my bike by a van. The other sides insurer admitted liability, in writing, pretty much the next day. My bike was collected for assessment and a hire bike dropped off within days.
So far, so good. And a few days later they pinged me a text to say that following an initial inspection my bike was a probable write off. Oh well, shit happens.
But since then, zip, zilch, nada. Nothing heard.
So I phoned them up today. Turns out that it took their official assessor 2 weeks to even look at the bike and he thinks that it might be economically fixable.
And that was three weeks ago and they still haven't made a decision as whether they want to fix it or write it off. And the guy on the phone had the cheek to moan about the cost of the hire bike – I felt like saying: “Well pull your finger out then”.
No wonder claims rack up so many costs, most of which are probably due to delays introduced by the insurers themselves.
Knobs! ____________________ Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
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PotatoHead202... |
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PotatoHead202... Scooby Slapper
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DJP |
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DJP Crazy Courier
Joined: 11 Dec 2011 Karma :
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Posted: 22:33 - 10 Nov 2021 Post subject: |
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Oh, I absolutely hear you but there's no actual downside for me.
I have a bike to ride and they've already made a (more than) satisfactory offer for my bike should they decide to write it off. And I'm going to be claiming for personal injury as well (quite genuinely, I should point out).
I would prefer to have my bike repaired since I've owned it from new but I won't be out of pocket whatever way this plays out.
But I'd like to move on and the logical side of me says: Why delay? You've accepted liability, pay up, move on.
Why incur extra expense by dragging it out?
Seems daft to me. ____________________ Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
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notabikeranym... |
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notabikeranym... Formerly known as meef
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DUCAUDI |
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DUCAUDI World Chat Champion
Joined: 17 May 2019 Karma :
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Posted: 05:18 - 11 Nov 2021 Post subject: |
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You would THINK it's in their interest to settle quickly, but I dunno. Maybe it's a disconnect between the guy making the decision (who is probably on bonus and targets to challenge and drag everything out as long as possible and get the actual payout to a minimum) and the finance depart who end up footing the bill for the hire bike. Doesn't seem logical to me but seems common practise that whatever the circumstances are, drag it out as long as possible and dispute liability even when they're bang to rights.
Sorry to sway the conversation towards 4 wheels but twatface Uber driver decided to ram me off the road as I was passing him in my taxi on the nearside in an active bus lane in London, presumably because he incorrectly was under the assumption that I'm not allowed to use the lane and was trying to enforce the law himself, I actually get this quite a lot when I have to go to London from other PCO private hire drivers intentionally pinching into my lane and trying to block my progress by blocking the bus lane in front of me so I'm usually on the lookout for Mr. twatface Uber driver mistakenly trying to take the law into his own hands. Me being permitted to use the lane driving a hackney carriage vehicle (albeit licensed outside of London and not a black cab as such, but still permitted to use the bus lanes) and him not being allowed in the lane as he's driving a private hire vehicle. Dashcam footage clearly shows him intentionally swerving into my lane to try to cut me off. Unfortunately for him it went badly wrong, vehicles made contact and I was rammed onto the pavement (lucky there wasn't a pedestrian waiting to cross!). Then the twat has the audacity to get out and say (in broken English) "why you hit me?".
Might post the footage on YouTube for a laugh now the claim has been settled, not decided yet.
Anyway I digress somewhat. His insurance company was presented with the dascam footage and, same as you, admitted liability (without prejudice) within two days. Didn't hear back for a week or so, so got my claims management company to chase them up, next thing I know they're disputing liability (on what grounds I'm not sure they just said they hadn't had chance to get a full statement / version of events from their client yet) despite the fact the footage has him bang to rights coming into my lane without indicating and which he has no right to enter in the first place. Meanwhile a replacement taxi has been provided to me at, eventually, cost to the TP insurer, by my claims management company.
Another few weeks down the line still not heard anything so chased it up and my claims management company finally got back to me saying I should expect a BACS transfer direct from the TP insurance company (which cleared that day) for the repair estimate I had submitted so clearly they decided to settle in my favour in the end and cough up, although the communication was sketchy.
But why drag it out for over a month? That's time added to the vehicle hire which, because it has to be a licensed taxi, licensed with the specific local authority that I as a driver am licensed with, is a very specific and niche market of vehicle hire and very VERY expensive, these guys are total bandits and proper pull the underwriters pants down and costs around £200 per day to supply a licensed taxi replacement because it has to go for a special MOT and have a meter fitted and meet certain criteria etc. Mind you, from past experience I actually had a result here as it's taken months and months before now, I guess the dashcam footage helped (well it DEFINITELY did otherwise it'd have gone down as a 50/50 knock for knock I'm sure as I'd have had no way of proving he came into my lane).
But I mean why drag it out when you know it's only going to go one way? Seems to be just standard practice and to hell with the extra expenses.
I mean they always say that don't they if you're involved in an accident, even if you think/know you're at fault you're told not to apologise or admit liability at the scene so that the insurance can contest liability even when everyone knows it's your fault. ____________________ 2023 DucAudi Mehrstraße V4 Hechte Gipfel - "Objectively the best motorcycle ever produced" - "You can have any colour, as long as it's red"
2021 Honda CMX500 Rebel S |
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rpsmith79 |
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rpsmith79 World Chat Champion
Joined: 31 Jan 2017 Karma :
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Posted: 08:42 - 11 Nov 2021 Post subject: |
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TravisBickle wrote: | But why drag it out for over a month? That's time added to the vehicle hire which, because it has to be a licensed taxi, licensed with the specific local authority that I as a driver am licensed with, is a very specific and niche market of vehicle hire and very VERY expensive, these guys are total bandits and proper pull the underwriters pants down and costs around £200 per day to supply a licensed taxi replacement because it has to go for a special MOT and have a meter fitted and meet certain criteria etc. Mind you, from past experience I actually had a result here as it's taken months and months before now, I guess the dashcam footage helped (well it DEFINITELY did otherwise it'd have gone down as a 50/50 knock for knock I'm sure as I'd have had no way of proving he came into my lane).
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The reason they drag it out, is because of how much they are charging the other parties insurance for your hire car
A chap at work recently had an accident, not his fault, and his car was written off, but as it was an executive saloon (albeit a 10 year old Audi A8) they gave him a brand new Audi Q7 hire car, at a cost of £2000 per week
If you look at Enterprise rental, you could privatley rent 2 executive saloons/SUV's for that price per week
His claim rumbled on for 3 months, so culminated in £24,000 worth of hire car fees (charged to the TP insurance company), for a car they finally paid out £6,000 for
It certainly is a racket ____________________ Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R |
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xX-Alex-Xx |
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xX-Alex-Xx World Chat Champion
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rpsmith79 |
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rpsmith79 World Chat Champion
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DJP |
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DJP Crazy Courier
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xX-Alex-Xx |
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xX-Alex-Xx World Chat Champion
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Polo |
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Polo World Chat Champion
Joined: 05 Sep 2007 Karma :
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Posted: 10:58 - 11 Nov 2021 Post subject: |
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I work for a major motor insurance Co.
Come at me bro.
I got hit on Friday, my car was parked outside and my neighbour reversed in to it. Logged the claim through the online portal using the multiple choice questions to be met at the end with "based on the answers you have provided you will be found at fault for this accident".
I'm not sure where I'm going with this...... |
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xX-Alex-Xx |
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xX-Alex-Xx World Chat Champion
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Posted: 11:46 - 11 Nov 2021 Post subject: |
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Polo wrote: | I work for a major motor insurance Co.
Come at me bro.
I got hit on Friday, my car was parked outside and my neighbour reversed in to it. Logged the claim through the online portal using the multiple choice questions to be met at the end with "based on the answers you have provided you will be found at fault for this accident".
I'm not sure where I'm going with this...... |
I had the same thing a few years ago. Parked my Mondeo on street as I had someone using my driveway, and during the night some (probably) drunk driver came flying around the corner, smashed into the car behind mine which shunted it into the back of mine. There was a witness who saw it happen, it was on CCTV of the building opposite, and I had a police officer's statement saying (IOW) it was bloody obvious what happened especially as the back of the car that hit mine was totally caved in.
BUT because of the fact that the (assumed) drunk driver was able to somehow drive off and no-one had a plate, my insurance company said they'd put ME at fault if I claimed. They wouldn't even put in on the owner of the car that was shunted into mine because he wasn't driving it (I wasn't driving it either ya sack of shite ...).
Didn't claim in the end as there was only light scratches to my bumper after I pulled it back into shape, wasn't worth losing NCD and declaring a claim for the next half a century... ____________________ DILLIGAF |
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Fat Angry Scotsman |
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Fat Angry Scotsman World Chat Champion
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Fat Angry Scotsman |
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Fat Angry Scotsman World Chat Champion
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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DUCAUDI World Chat Champion
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DUCAUDI World Chat Champion
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Polo World Chat Champion
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Easy-X |
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Easy-X Super Spammer
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Posted: 14:04 - 15 Nov 2021 Post subject: |
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Yeah even on a motorbike there's two things I'm especially wary of: c*nts on bicycles thinking they need a tank's width of road and anything with a TFL sticker in the back window. Best to treat the latter as radioactive and manoeuvre around them accordingly ____________________ Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter |
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Old Thread Alert!
The last post was made 2 years, 134 days ago. Instead of replying here, would creating a new thread be more useful? |
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