Honda-SOHC
SOHC.co.uk Forums => CB750 => Topic started by: Alimacdee2 on March 01, 2021, 02:19:05 PM
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Hi all, looking for a second opinion, sorry haven't been on here in a while, too many distractions, need to focus more on what really matters.. having said that.. I was rear ended at a busy roundabout Friday 1.40pm, my previously perfect Rear mudguard and No plate Holder took the brunt, the Points cover mashed, Right hand brake leaver bent at end, front brake binding so probably the pivot bolt. very slight scuff to my brake lever pedal, and slight scuffing to my aftermarket exhaust. Overall very lucky considering the shunt was quite an impact! the good news my handlebars seem unaffected! my first accident in many a year, 24yr old female driver is willing to pay for the Damage seems genuine, this will save going through the insurance, It looks like all the parts are available except the rear fender and no plate holder which are UK spec, and which I'd like to retain. I wonder if its possible a Good panel beater could sort the Mudguard and plate holder?is there one? its always been a road going bike I want to stay this way, I did take lots of photos at the scene of accident but I'm reticent to publish these at the moment, I'm still talking to the Driver of the car.
cheers Ally
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Ouch! Did you call the police anyway, getting rear ended means she has commited driving without due care and attention or careless driving at the very least, and if she fails to pay up, you'll be in bother with your own insurers for not reporting it to them, as you have an obligation to report ANY loss or damage to your vehicle, however caused!
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If you fail to get a genuine mudguard, this is listed on ebay.
https://www.ebay.co.uk/itm/Honda-CB750-69-70-71-Rear-Fender-CB750K-Four-K0-K1-Mud-Guard-80100-300-030XW-Rep/283467036360?ssPageName=STRK%3AMEBIDX%3AIT&_trksid=p2060353.m1438.l2649
Also,
https://www.ebay.co.uk/itm/1970-1971-Honda-CB750-K0-K1-Tail-Light-Bracket-1971-1972-1973-CB500-K0-K1-K2/283788576030?ssPageName=STRK%3AMEBIDX%3AIT&_trksid=p2060353.m1438.l2649
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I contacted my insurer Lynbrook/first underwriting, that day, they were not very helpful, not very sympathetic even though the car driver admitted full liability at the time, the underwriter operator kept reminding me its a claim on my insurance if I go ahead, but of course it is, and they then claim it back off the other drivers insurance. I agreed to give the driver a chance to pay for the damage , after showing her a invoice for parts from DS she says its too much for her 1000+, so its now going through my insurance. Its maybe an idea to contact the police now to make a complaint.
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I would report it. Although the driver may appear friendly enough at the time and willing to pay for the damage people have a nasty habit of changing their minds when the full cost is known. A recent experience of a friend of mine is a case in point. He was shunted whilst in his van. My mate is a plumber and the rear tailgate of his van was stoved in. He suffered whiplash injuries (he was hit at 50mph whilst stationery at traffic lights). The guilty driver admitted he was on the phone at the time and asked to pay cash and not via the insurance (he was in an Audi A8 with foreign plates). When the bill got to over £2k he decided he didn't want to pay. My mate reported the accident to his insurance company. The bill so far is over £3.5k as he had to hire a van whilst his was being repaired. He is now suffering a lot of back pain, appears he suffered a burst disc in his lower back and now undergoing physio twice a week and had an MRI scan to confirm the injury.
No way would I do a cash deal at the scene, once this lady starts telling people what happened there will be those who will tell her not to admit liability and as you didn't report it you'll be left to foot the bill. It's not just the bike, you may have suffered injuries to your back if you were holding the handlebars at the time and depending on the speed she hit you at. Back injuries take time to show. When I was shunted off my VFR 20 years ago I suffered three bouts of whiplash during the following 12 months. The consultant actually told me that's what would happen and he was right.
Look after yourself and not the person who caused the damage is my motto.
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Ouch! Did you call the police anyway, getting rear ended means she has commited driving without due care and attention or careless driving at the very least, and if she fails to pay up, you'll be in bother with your own insurers for not reporting it to them, as you have an obligation to report ANY loss or damage to your vehicle, however caused!
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Few CPS areas will prosecute for what they call bent metal accidents so most Police Areas will refuse to turn out to a scene unless there is injury. As an aside genuine wiplash will not appear until after 24-36 hours. I would certainly notify your insurers but state you do not wish to make a claim at present.
My wife had an accident some years ago where there was no Police attendence, she had the right of way on a main road with only a scuffed plastic wheel arch to show for the accident. We just notified our insurers but made no claim. Almost 18 months later the other driver who had sustained some substatntial frontal damage as a resut of clipping a sign post put in a civil claim for over £2000. I refered them to our insurers who denied the claim - it did not affect our NCB or premium as far as I could tell.
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I've just started the claims process with the insurers they were a bit better there, I've told them I'm repairing it, I've to submit a list of parts needed, and their engineer will need to view the bike, sounds ok to me. The exhaust is also slightly scuffed, I wonder if that warrant's a replacement? Its a motad I don't think they are available now? would it be like for like or can I choose 4 pipes??
I just made a complaint to the police, and an officer is calling wed morning.
I did feel slight shock at the time of the accident, slight shake in hands but no apparent injuries, I was up immediately, and talked to the driver described her driving without swearing! and took lots of photos. But overnight I had a slight headache and aching in my neck, so arranged to go to AE consultant said I would have had whiplash due to the impact but no serious injury and looks like muscle strain in the neck area.
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Yes it's OK at the time but give it a couple of days talking to her friends and things could change, I was rear ended in the car by a young lad who admitted liability and wanted to pay for the damage which was slight so I said fine.
Unfortunately I had just bought a new car and had traded mine in against it and had no time to get it repaired as I was turning it in the next day, so I went to a car repairers that I knew well and was quoted £150.
After a talk with the dealers where I was buying the new car they agreed that I should pay the car repairers the money and they would sort it out, amazingly they used the same car repair shop
The other driver agreed to all this and I sent him my bank details, that was the last I heard from him, though I thought at the time that would be the outcome.
Just to cover myself I did contact my insurance firm and kept the text messages from the lad in which he admitted liability and the photos that I took of the two cars at the time of the accident.
Cheers
Dennis
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my advice would be to put in a claim for the damage to the exhaust as well....as it's a classic bike...parts availability is a bit tricky, but don't expect to get a full new system out of it. You will need to demonstrate the cost of replacement on a like for like basis, or on a best equivalent. You could argue for a while over details, but you will be offered a settlement...and it will be down to you to show the justification if you get lowballed.
Unless the bike is a ruin, I always do my own repairs, so have had to do this a few times. With bikes in production, it's easy as you photgraph each damaged part, and refer them to the main dealer prices.
Here....if you go to somewhere like Dave Silvers to show prices, or another reputable supplier, you should be OK. Unavailable parts you would need to find something on E-Bay or similar. But whatever...I would not get any parts repaired until I had the agreement from the insurers.
When it copmes to renewal...you will have to declare the accident, but non fault acidents should not affect your premium. Getting rear-ended like this is certainly non-fault!
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thanks for these comments, definitely making a claim, and will make a new list, might even contact Lynbrook regards my neck pain I'll see how I feel, I like those fenders on ebay, but drilled different to mine, I've asked the seller if he can supply a UK style one, if not could I get one without holes drilled, he's supplied dimensions of another type but doesn't quite match.
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I was rear ended on my guzzi last year and I have had nothing but back and shoulder issues since.
You may think your fine now but it catches up with you all of a sudden. I had no one to claim against as they speed off.
Claim for what you can and as it was rear ended don't forget to have your rear wheel rebuilt and new bearings and check your swingarm.
Mick
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thanks for these comments, definitely making a claim, and will make a new list, might even contact Lynbrook regards my neck pain I'll see how I feel, I like those fenders on ebay, but drilled different to mine, I've asked the seller if he can supply a UK style one, if not could I get one without holes drilled, he's supplied dimensions of another type but doesn't quite match.
I bought one from the same source for my 500 - 4 hole type. Generally good quality but did have to modify it slightly to ensure the mudguard was at the right angle
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Okay the Police phoned tonight they want to make a full Crash report! since I was rear ended and did suffer some injury, 2 officers are coming round tomorrow morning with 1 1/2 hr slot, I did make detailed notes of what happened that day, so can refer back to that, they don't hang about! I did check side to side movement of the swingarm, seemed ok, I would definitely need to look closely at the rear wheel and associated parts, the fender was just touching the tyre at the accident, I did pull it away from the wheel, I'll check that out..
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I had a coming together with a taxi van whilst on hol in Cornwall last year. He wanted to pay and not involve insurance to which i agreed. I priced up all parts and he transferred the money to my bank before we left Cornwall. Not everyone is out to screw you.
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Agreed not everyone is out to screw you I'm just fed up with being the honest one all the time.
I was also involved in a head on in my van last January I was on my side and had dash cam footage of a BMW not giving way and ploughing straight into me.
They denied everything and it was settled 50/50
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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 !
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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.
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I have used these for number plates before, very good. https://www.tippersvintageplates.co.uk/
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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.
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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?
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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
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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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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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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!
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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
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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!
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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!
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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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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 :)
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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.