You know if it's to be fixed on insurance, rather than written off, it will have to be by a place on the insurer's approved list, or at least that's my experience. And the damage you've outlined could very well result in an insurance write off, over which you have no control. They won't pay for the repairs but will give you the cash and the insurer will then own the bike. But there is nothing to stop you offering to buy the bike back from the insurers for scrap value and then doing it up. So get in quick. They shouldn't care who buys it so long as they get their money. There will be a Cat D or Cat C recorded in the HPI register which will knock 30% or more off the resell value, and you're unlikely to ever get a main dealer to p/x, but if you plan to keep the bike and aren't bothered about selling it on any time soon then that might be a good plan. If that is what happens then for as long as there is a current MOT you can take it on the road so long as it is road worthy. You don't need a new MOT. Sorry if I'm teaching Granny to suck eggs.
You can have your bike repaired where you want, it does not have to be on your insurers approved list.
Sorry to hear this. You've put quite a bit of time,effort and money into the bike. But pleased your okay(ish). If it's a write off,recover what you can and move on to a new bike. Time for a new project and some new experiences.
Happy to see so much damage on her car. Glad you're okay, I get so annoyed at people's lack of awareness before changing lanes.
I've twice had accident repairs done under insurance on cars and both times, even though I got a better quote from my trusted garage, was told to take it to the approved panel beater and paint repair shop. Once with Zurich the other with Hastings. It was all to do with substantial 'trade' discounts the insurers negotiate with the huge amount of work they put through them, discounts that we don't get to see. Admittedly 30 years ago and more, so maybe times have changed.
The whole insurance/repair industry is a racket run by crooks to extort money from the consumer. I will explain further on the July meet up if you wish to hear more.
Thanks for all your advice and encouragement guys I had the footage uploaded from my camera to my computer and going throught it. Traffic in lane 2 and 3 are stand still, I was progressing between 2 and 3 at about 20mph tops I have 1 second from when she appears from in front of the van to the collision. I will upload the footage to YouTube...it is a 127 degree wide angle lens on the camera so objects passing the field of view seem to go really fast, but when you look in front is is steady. Checking the highway code, it is totally wrong to swap lanes from 3 to 2 in slow/standstill traffic unless it is to exit the motorway. Before overtaking/changing lanes it says specifically to check for motorcycles..mirror, signal, move. She did none. I have heard one person say if a car pulls accross lanes in front of a bike and they collide, the car is in the wrong by default! I have been to the quacks this morning, had the full checkover: neck, shoulders, back, hips etc....all good The bike was picked up to go to Triumph M40 this morning, with approval from Carole Nash. Insurers can't force you to use their approved repairers, but there may be a charge in the small print for using your own..up to £250 or so! It could be up to two weeks of trains before I get her back....arghhh. For some reason I just don't want a hire bike, it would feel like I am cheating As said, I have put a lot into that bike, I had it insured to around £5k so if it does go for write off, I would buy it back, do the work myself and have coinage to spare. Total mileage was 40,100 which isnt bad on a 6 yrold bike, especially as I have done 30,000 of them in he last 2 years
Cheers Mr O. Yeah I was surprised, not a mark or scrap on them...or the jacket. THanks for your original introduction
Done and all clear. The bruise on my leg is coming through now, a lovely dark purple smudge.. I have also posted the video
Just spoke to a family member who is in insurance, who has a contact that is an independent assessor who analyses fault and level of responsibility and he believes fault is all on the car driver. They changed lanes against the highway code, they didn't ensure the road was clear, and it is the drivers responsibility to make sure it is clear. Looks good from my side, but you never know until someone accepts liability or a court decides
I was terrified, i thought the bike was going to be absolutely smashed after flipping end over end and bouncing off other cars. But after she was upright and no other cars were involved I could see nothing really bad other than the front wheel being dented on the rim, and broken pedal. Repairers seem to have quite an extensive list of bits though, i will find out what their cost will be tomorrow.
