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Accident at Roundabout

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McCabe-Thiele (Ted):

--- Quote from: hairygit on March 01, 2021, 03:17:28 PM ---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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--- End quote ---

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.

Alimacdee2:
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.

Spitfire:
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

SumpMagnet:
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!

Alimacdee2:
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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