Well ..it finally happened...a car got the bike !

[JodieWodie]

Went to work this morning as usual...driving along a 30mph road doing 30... traffic lights ahead on red. All the cars stopped, as you do I stopped also. A car behind me decided to keep on going at 20ish/30 miles per hour and hit the back of my bike

God alone knows how I stayed on...it was like steering a bucking broncho, (not that I have ever done that!!)

I got off, looked at damage... the licence plate is smashed..hanging on by some cables and wires... the big black hard plastic mudguard thing that the indicators are mounted on was bent in and stuck in my back tyre... nothing major (I don't think,,I think wheel is fine, although I am no expert on these things).

I turned to this nob of a young lad and said in his face "You could have fucking killed me!"
He said "I am so sorry...I was lighting a fag, and I didn't see you stop!"

He just stood there saying sorry, so in the end I asked him for his details so I could contact him to pay for the damage...he just said okay.
As he wrote it all down I phoned my Fiance, as I had never been in an accident before, and had no idea what to do.
I got his details, asked for proof of address and checked his tax disc against his reg.

He then called his mum.

I am so angry !! I need my bike for work...to take and collect my daughter from school... I need it weekdays.
The earliest I can get it 'looked at' is Tuesday..then God knows when they can fix it.

The looking at costs £40...
how do I go about paying for this and the repairs if he isn't giving me cash but going through his insurance ??
I would rather go through the insurance yes ??
But I have no idea how these things work... do they bill his company,..or do I have o pay up-front and claim it back ? (Cannot afford this)

My Fiance, understandably, wants to strangle said man...but I least I made a nice big dent in his bonnet and completely smashed his reg plate !!

Thanks in advance,
Jo xxx
____________________
Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[Adam_P]

Lighting a fag..... what a crevice!

Unlucky Jodie, but at least you're still in one piece.

Make sure you have the best job possible done on the bike if said scrote is paying for it.
____________________
Colin McRae MBE 1968 - 2007 RIP
Orwell Rolls in his Grave
God is imaginary

[bazza]

Contact your insco and give them his details - they will take care of billing his insurance.
____________________
"That's it. You people have stood in my way long enough. I'm going to clown college."
'98 Ducati 750SS, '08 Suzuki GSX650F ©2004-2014, Bazza's Harmless Banter

[Annabella]

The first thing you need to do is contact your insurance company.

Pass on all the details of the accident to them including those of the fag lighting fag. They will inform you what to do, you might find that they will recommend a garage to you. If that is the case, make sure you let them know that you need transport. If your policy covers it, you should get a replacement vehicle - if not you your insurance company may be able to claim for the cost of a replacement vehicle from the lad's insurers - though this may take a little longer.


All in all, make sure you don't miss anything out when you are talking to your insurance company. They are there to help you get the money to pay for the repairs. I just hope you don't have a large excess. If you do, then it may be worth contacting the lad directly and offering a settlement outside of insurance - if he rang his mum then more than likely the cost of an accident on his insurance will be greater than the cost of repairs to the bike.


Good luck Jo!
____________________
Avast! Pirates ahoy!
I did Cadwell!
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[Ste]

And if you're feeling spiteful you could report him to the police for driving without due care and attention I'd have thought.

Probably be lots easier if you're able to ask him to pay for the repairs rather than going through his insurance.

[mr.z]

I really hope you can get him on record saying that, he would be recieveing the legal buggering of his life for that, driveing without due care and attention.

If you get a quote from a decent garrage you can phone him and offer that he pays for it, less hassle and chance of some scumy lawyer getting him out of it (like if you dont have any witnesses he can claim you slammed your brakes on).

What a tard... thats the sort of thing that worrys me, no matter how good a rider you are it only takes some special case with their head up their ass to knock you off and into traffic

Shame you were there and he didn't get hit by a lorry instead

Well done for staying on though, hardcore
____________________
>RidingSkills<->Tech Tips<->MyBikes<

[mchaggis]

Here's hoping his radiator needs replacing along with his bumper, grille and bonnet. He deserves those repair charges for being a dopy git if nothing else!

Glad you're okay, and well done for not slapping him when he said he was lighting a cigarette. I'd have been pushed not to.
____________________
I must not be a troll...
Mmmm, Guinness
Discovering the delights of Hammerite and a 3/4" brush.

[R4nger]

[JodieWodie]

Wow..thanks so much to all for the advice

But...as I am thick.... how do I go about paying for this 'looking at'..and possible repairs on Wednesday ??

I cannot really afford it.
The dealer who is doing it is very reputable...
will they bill his company do you think /wait for him to pay, bill him....or will I have to stump up cash first ?

NB- I have just been informed my insurance is TPFT
..not sure if it covers..
____________________
Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[Ste]

Paying for them to look at it? Find a dealer who'll give you a quote for free if you're wanting to sort it out yourself rather than through insurance.

The dealer won't get involved with any insurance claim, they'll want you (or someone else) to pay them. If you're going to go through his insurance then report it to your own insurance and let them deal with it, I'd expect they'll want the bike to go to a garage they approve of for the repairs.

[R4nger]

To get an insurance quote around here it is usually £25 because it does take time to right it all up. If you can not afford it I am sure some BCF people will help out!

[JodieWodie]

Right...thank you
Jo x
____________________
Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[Adam_P]

Ask the 'reputable' guy if they will send the invoice for the work directly to the guy that ran into you?

Otherwise, his insurance company should do all that for you as it's their responsibility. Contact your insurance and they will contact them for you and put things into motion.
____________________
Colin McRae MBE 1968 - 2007 RIP
Orwell Rolls in his Grave
God is imaginary

[Mal]

[bazza]

What Mal said. The twonk hit you, so it's his insurance that will be picking up the tab for estimates, repairs, hire or replacement transport, time off work to sort things, phone charges, counselling, etc. etc...
____________________
"That's it. You people have stood in my way long enough. I'm going to clown college."
'98 Ducati 750SS, '08 Suzuki GSX650F ©2004-2014, Bazza's Harmless Banter

[Nolongerhere]

Keep a record of everything!

[JodieWodie]

Thanks very much xx

I called my ins company...
they were brilliant !!

The convo started well..woman helpful...then I started crying to my shame...the woman said most people do that re-telling the facts of the accident.

They were great...
a solicitor is calling asap as pain is building in my back/neck/shoulders... probably as I went up onto his bonnet...jarring my body.
A bike lending company are calling in the next hour with a replacement bike for me whilst mine gets repaired...
and all papers are in post for claim of accident
.
Apparently as it is his fault it is simple, (sort of).
I still have to pay excess (£200) but it gets claimed back immediately.

Having a vodka now.


Thanks again

xxx
____________________
Courage doesn't always roar. Sometimes courage is the quiet voice at the end of the day saying, "I will try again tomorrow"

[gimpy limp]

be abit understanding with him he didnt do it on purpose, he wasn't building a bottled boat on his lap or drinking jack daniels whilst driving just a slight lapse of concetration for a second, sounds like a very minor slow speed collision. I've had collisions that haven't been my fault in the car and I try to be understanding with them so long as they pay up and ain't dicks about it. I've had my bumper dented and i've just had him pay for a second hand one when i could have bought a brand new one 3 times the price and had it sprayed and fitted by a garage.
____________________
-=[Sam/b]=- cx500's the only way to travel, we do it in style just like jimmy saville
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[JodieWodie]

[Project9928]

Your now the 3rd person I know of who has been hit in the rear and all three times it "sorry mate wasn't looking or paying attention" bloody idiots would be nice if they all used there EYES!

Anyway hope your ok

[Mik_RX125]

I was hit from behind by a woman in an Escort last year. emptied her radiator well enough . First thing she said to me was "Look what you've done to my car"
It was in front of lots of people so police and ambulance turned up quickly to take pictures and take me to hospital.
I just contacted Carol Nash and I got a scoot 2 days later, £1190 for my written off bike, and still pursuing injuries compensation.

Mik
____________________
Yamaha FZ6 Fazer S2 owner
See all my Bikes

[dainesefreak]

Sorry to hear about the bike but at least you walked away.

Something to consider, did your helmet take an impact if you went onto the bonnet? Might be worth claiming for and replacing.

Third party claims can drag on even though it sounds like you have him fairly bang to rights. Your insurance company won't act on your behalf, instead they will instruct a solicitor who in turn will pursue the case. You will usually deal with the solicitor from now on and as mentioned write down everything and chase everything, even with your own solicitor. Write down times of phoning if you chase them, who you spoke to and roughly what the update was.

A benefit of going through the insurance company rather than getting him to pay is that if you have any problems with the work carried out, either now or in the future, you have them to come back on. If he pays for it then it's down to you and the garage to sort it out and I've dealt with and argued with some garages in the past.

Hope it all goes well.

[Dinnaz]

You only have TPFT cover - did you pay an extra £20 ish for the legal protection. It's always offered, and sometimes just hidden on to your policy, however most people don't take if they spot it.

As you have TPFT cover your insurance company will not want to get involved other than to take details of the accident and will wish for you to inform them when it is closed. THERE HELP STOPS THERE.

If you had COMP then they would repair your bike and try to reclaim the damage from the Third Party.

Now if you have taken the opptional legal cover, they are a seperate company, that providing it is a non fault accident, will chase the third party for damage to your bike.

They will advise you to get 3 estimates and submitt them with your claim form, obviously you going with the cheapest quote. If you want your bike repaired immediately, YOU will have to fork out the money and await the cheque from the Third Party. The legal cover will NOT repair you bike for you, as they work on the basis that if they get nowt, neither do you.

Sometimes they can offer a courtesy vehicle to you in the mean time. But is normally only for a week or so.

They will recover also any loss of earnings and Personal Injury inoccured.

As this seems to be a clear cut case (he hit you in the rear, whilst stationery) you might get the money in around 6 weeks or so.

Remeber he has to notify his company, collect and fill in a claim form, then his insurance company, NOT HIM, decide weather to contend the claim, if the don't they still have to approve estimates authorize cheques etc etc and The cost of the claim is better in there bank for an extra couple of weeks or so than in yours.


So firstly forget TPFT - this only covers you for Fire and Theft damage, and any damage to a THIRD PARTY and or there property. Not damage to you or your property.

You need to check if you have the optional legal cover, will be priced seperatly on ya renewel invoice or receipt when you took out the cover. If your unsure ring your insurance company/broker and they will tell you.


Good luck

[Dinnaz]

By the way if you don't have the opptional legal cover you will have to chase the claim yourself, i.e. send in receipts to the Third Partys insurance and many many phone calls. They will fob you off for weeks.


If, and IF you do end up having to chase your losses yourself, I would recomend using a solicitor as they will get things done far faster, coz the longer it takes them the more there bill is that the Third Partys Insurance will have to pay.

[Git]

Pants news Jodie

Main thing is your alive and kicking, heres fingers X that all gets sorted with as little disruption as possible