Author Topic: Accident at Roundabout  (Read 829 times)

Offline GTB981

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Re: Accident at Roundabout
« Reply #15 on: March 02, 2021, 07:00:20 AM »
I had the same 3 years ag on my Vmax. Driver claimed it was my fault and provided dodgy invoice for £2k damage to her car. Claimed I rolled back into her. She got a no win no fee solicitor and they pushed me to pay up. It went to court and they didn`t expect me to show. I did show and she didn`t with some lame excuse. Case went ahead in her absence and I won. cLEARLY A SCAMMER. My insurance recouped the £2.25k they had paid me to fix my bike. TRUST NOBODY !

Offline Alimacdee2

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Re: Accident at Roundabout
« Reply #16 on: March 02, 2021, 02:52:31 PM »
Been really useful hearing these experiences with insurance companies and third parties , Update this morning Police arrived and took my statement, and viewed my iphone images of the scene on my Wide screen TV!  they were very good, one had been a motorcyclist so was very understanding of the incident, they are now pursuing this,  I have a incident/crime Ref. No. to pass to the insurance company now,  I've now updated my DS Invoice to include extra rear end parts, wheel rim, spokes bearings, swing arm bushings, rubber shock bushings. I don't think I'd feel safe at speed with a spoked wheel that has had impact to it, even though it looks ok. Can anyone recommend a 4-1 4-2 exhaust system and a pressed alloy No plate supplier? I'd hoped DS would do an exhaust but no.

I'm  considering requesting to the Insurance company.
The Motorcycle is in  need of Replacement parts:
Rear Mudguard and No plate Holder. Damaged
Rear Swing arm checked, bearings replaced because of impact.
Right Handle bar brake lever, and associated parts. Damaged.
Right hand mirror. Damage
Right hand brake pedal. Damaged Scuffing to outside and slightly pushed in.
Exhaust system. 4-1 equivalent replacement. Scuffing to outside end and centre. Cosmetically this is unacceptable on this bike, it was in perfect condition.
Points cover. Damaged.
Rear pressed Alloy Number plate. Damaged.
spokes, wheel Rim and bearings and wheel rebuilt.  Impact to rear wheel and spokes (slight buckling) Possible risky and unsafe to drive the bike at road speeds.

« Last Edit: March 02, 2021, 04:33:04 PM by Alimacdee2 »
1970 HONDA CB750
2002 Ducati Monster 750ie

Offline bruxby-clive

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Re: Accident at Roundabout
« Reply #17 on: March 02, 2021, 02:59:17 PM »
I have used these for number plates before, very good. https://www.tippersvintageplates.co.uk/
Just because you are breathing, doesn't mean you are alive.

Offline Nurse Julie

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Re: Accident at Roundabout
« Reply #18 on: March 02, 2021, 03:22:18 PM »
Insurance companies are very quick to write off bikes these days, as the cost of paying out for parts / repair just isn't worth it.
Im a Nurse, trust me, this won't hurt.....much !!!

LINK TO MY CB400/4 ENGINE STRIP / ASSESSMENT AND REBUILD...NOW COMPLETE
http://www.sohc.co.uk/index.php/topic,14049.msg112691/topicseen.html#new

Offline Alimacdee2

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Re: Accident at Roundabout
« Reply #19 on: March 02, 2021, 03:39:24 PM »
This indemnity shall not exceed the Market Value of the Motorcycle (including its Accessories) immediately
before such damage or loss or the Agreed Value of the Motorcycle where shown on the Schedule
I think this is what your referring too?
« Last Edit: March 02, 2021, 04:21:59 PM by Alimacdee2 »
1970 HONDA CB750
2002 Ducati Monster 750ie

Offline Bryanj

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Re: Accident at Roundabout
« Reply #20 on: March 02, 2021, 04:34:50 PM »
Dont matter how safe you.feel or not insurance will only pay for visible damage as seen by assesor, swing arm bushes and pin no way they are routine maintenance, wheel same unless its visibly bent or has loose/broken spokes

Offline Green1

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Re: Accident at Roundabout
« Reply #21 on: March 02, 2021, 07:00:28 PM »
When someone backed into my 750 I spoke to the assessor and explained there could be possible damage to my wheel, wheel bearings and head race bearings and he was more then happy to agree as it may not make its self known straght away.
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Offline SumpMagnet

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Re: Accident at Roundabout
« Reply #22 on: March 02, 2021, 07:27:08 PM »
You may be on a sticky wicket claiming for a wheel rebuild or replacement bearings etc. If you could show clear evidence of damage to the parts in question, such as a buckled wheel...then bearing replacements etc. might have a case. Here, though, the assessor would decide whether he felt you were being sensible...or not.

The phrase to watch here is 'mitigate your losses'

Or, in other words, your obligation is to put the thing right with as little expense as possible. If you go ahead and spend the money, or otherwise inflate cost without the insurance company agreeing....you could end up in difficulty. As happened to someone I know, who hired a replacement bike, claimed for travel expenses, and an assortment of parts....including an alarm system...that he claimed were faulty after the accident. He ended up having to pay for the bulk of it himself.... The bike shop doing the repair 'quote' padded it with all sorts and he assumed it would just get paid.
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Offline Alimacdee2

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Re: Accident at Roundabout
« Reply #23 on: March 03, 2021, 01:55:22 PM »
thanks for your comment,  I have considered the rear wheel replacement and would say its important to rebuild the rear wheel again, and it’s suspension parts,  I rebuilt this wheel in 1988, iit’s seen 26 years road use since then,  After witnessing the impact on it and considering using it at motorway speeds as it stands I can’t see the assessor agreeing it’s safe to use, and accepting liability in case of failure,  I’ll maybe put this to them now ..  am surprised you’d think I'm on a "sticky wicket" with it.. I do like that metaphor though!
« Last Edit: March 04, 2021, 05:30:14 AM by Alimacdee2 »
1970 HONDA CB750
2002 Ducati Monster 750ie

Offline Bryanj

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Re: Accident at Roundabout
« Reply #24 on: March 03, 2021, 03:00:49 PM »
I used to deal with assesors all the time and like i said unless it is visibly damaged chances are low, there is also what they call"betterment" where you are replacing a worn used part with new so you are liable for a percentage of the cost, like your scraped exhaust, few years old with minor pitting is only worth 50% of a new one or tyre is 50%worn but damaged so they only pay half.
Also remember that you earn a NO CLAIM discount NOT a NO FAULT one so if you claim you loose it

Offline Alimacdee2

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Re: Accident at Roundabout
« Reply #25 on: March 04, 2021, 11:48:11 AM »
thanks , I've always been told you don't get get a No Claims discount  on Agreed value Classic insurance. I've asked about it several times from previous well known Classic insurers, purely because I've never made a claim,  not even used the their Breakdown cover.. always told  it doesn't apply. I'm sure your right they'll make an offer of sorts, I'm just trying to make sure my bike is well sorted, safe, not compromised in any way, and is still the great bike its been.

BTW I've just scored a NOS Tail Light Bracket on Ebay , part no. 84701300600B, Things are looking up!

Bugger seller cancelled the sale!
« Last Edit: March 08, 2021, 01:04:38 PM by Alimacdee2 »
1970 HONDA CB750
2002 Ducati Monster 750ie

Offline Alimacdee2

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Re: Accident at Roundabout
« Reply #26 on: April 10, 2021, 12:16:43 AM »
Thanks for the input from everyone, every comment proved very useful in helping consider my options with the Insurer, first underwriting, (broker Lynbrook).
They’re engineer thoroughly inspected the bike, was very comprehensive in his assessment, agreed with everything I asked for, and included all costs for specialist repairs and spotted a couple of items I missed, top bloke really, obviously appreciated a good bike! Insurer agreed “cash in lieu of repairs”  and Included all costs for the rear wheel rebuild, spokes, new rim, wheel bearings, and new rear tyre, lower shock rubber bushings, swing arm bushings, rear mudguard and tail light holder, new number plate, exhaust system, points cover, brake pedal, mirror, Quite impressed really..  Actually was lucky, the Rh brake lever bending like it did, points cover, exhaust and top box saved further scrapes, engineer assessed the bike is structurally very good, and agreed with the rear wheel rebuild & associated parts a matter of safety, the insurer also agreed it reasonable to replace any suspension components suspected to be compromised on a motorcycle, even without obvious damage showing,  and to mention this to the engineer.
Afterwards the engineer guy said he was off now to look at an etype and mentioned he’d already been looking at a stitched up insurance job on a Harley, what he meant was the owner had embellished the damage along one side of his bike in a really obvious fashion! Some people!
« Last Edit: April 10, 2021, 07:29:09 AM by Alimacdee2 »
1970 HONDA CB750
2002 Ducati Monster 750ie

Offline Macabethiele (Ted)

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Re: Accident at Roundabout
« Reply #27 on: April 10, 2021, 10:02:45 AM »
Have you considered appointing your own Loss Assessor its what we did when we had our house fire. Downside would be that you would need to pay for this service. In the case of our house fire they made their money out of the winning rebuild contractor. I also had an insurance company refuse to pay for a bonnnett respray when our Mini was broken into and had radio stollen. The bonnet had glass fragments embedded in it. As well as taking photos some glass remained in the paintwork. I insisted that an engineer visited to access the damage. I was advised if they found against me I would have to bear the cost! Suffice to say they found in my favour!  I suspect its all to avoid costs.
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Offline SumpMagnet

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Re: Accident at Roundabout
« Reply #28 on: April 10, 2021, 11:44:19 AM »
Well that sounds like a total and complete result :)

Honestly....far better than I would have expected given the penny pinching nature of insurance, and their engineer/assessor has been very generous. I suspect he has some idea of the effort and pain that goes into renovating old bikes and has reflected both that, and your concerns over unseen damage.

Always nice to hear a happy ending :)
CB750F2 - in pieces
CB900F Hornet - the daily transport

Online royhall

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Re: Accident at Roundabout
« Reply #29 on: April 10, 2021, 11:51:41 AM »
Your success or failure is usually down to who the underwriter is on your policy. Some are dreadful other great. I had a claim with Aviva on a stolen work van and they were wonderful. It pays them to be good as now all my policies and pension are with Aviva. Plus here I am recommending them to the world.
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