Hi guys, Looking for advice on what to claim for on a no fault accident? Clothing-- New Jeans are ruined, scratches on visor etc can I claim? Excess- £300? Injury? Also is it worth buying the bike back from insurer? The engine is a bit special.
It's sometimes dependent on your legal cover and if you had clothing covered on your insurance. If it is no fault and they have insurance I would have a look at a bike specialist solicitor. They are far more likely to get you all your costs. Any clothing ruined I would definitely claim for and new helmet regardless. Injuries become a little more contentious. For me if you have a debilitating injury or you have to take time off work and are financially penalised then absolutely claim, if you're a little bit sore then to me it's morally wrong to take money for it as it hasn't affected my ability to work or play. Many would disagree I'm sure but to me that is partially why our insurance is so expensive, and we've all seen the threads about insurance costs
No cops, she was such a nice old girl didn't have the heart. The insurance co have put a legal team in touch waiting to hear from them.
Surprised no one has answered Wishbone’s question re. trying to buy the bike off the insurance company, if they write it off. Regards,.Ken.
The basic idea is you claim for everything: Special damages - everything you can put a price on: repairs, ins excess, clothing, replacement hire/travel etc. (but don’t expect ‘betterment’ a £350 jacket now 3 yrs old is not still worth £350) General damages - pain, suffering, loss of amenity and medical claims are often protracted to allow for long term effects to become clear. You might get interim payments before a final settlement but usual only applies to serious long term injury. Putting a price on these is really specialist legal territory. Insurance companies often agree ‘knock for knock’ and bale out their own customers because in the round it is cheaper and good business. If blame is not at issue and clearly attributable DON’T be fobbed off by this arrangement. Claim on her insurance as otherwise it can cost you in the long term as a claim on your insurance and you pay the excess on your policy.
I wouldn't have known where to start, but for the excellent advice from @Dozers Dad. I asked about getting mi bike back, and after a bit of "negotiating" I got my barely damaged bike back, with the finance paid off, and a couple of hundred quid in mi pocket. I was well happy.
You say you may take the bike back 'because the engine is a bit special' you do not say special in what way ie tuned or shiny bits attached but be careful what you tell insurance companies about that 'special engine' unless you have declared it at time of renewal!
My Trophy was written off by the other parties insurance (27 years old but only cosmetic damage) and I have been paid out for it and as I kept it and have replaced the damaged bits via Ebay. Now what happens do I have to have the bike inspected or can I just ride off complete with the scratches covered with more stickers like a true peasant?
‘Write off’ is really an accounting term. It means uneconomic repair not damaged beyond repair...... pretty much anything can be repaired at a price. If it can pass an MoT it is roadworthy.
I should add your bike will be Class N (the old Class C) so the DVLA record will show its revised status. Hardly consequential on an old bike.
Yes! I bought my old T140v back when it was smashed to bits by a woman driver in 1982. I then did a swop for the battered Bonnie for a T120v and a 5TA I think It's always worth getting it back if you can.
Hi mate, sorry to hear you have been in an accident , you should be able to claim from the third party all your losses, including your excess. If you have legal protection as part of your cover then contact them, let them know exactly how much all gear that was damaged cost, you may be required to take pictures of all gear that has been affected & also take them to a bike clothing shop & get a price to replace with like for like (Infinity did this for me). Log all injuries & any visits to hospital/doctors along with any time off work. If you don't have legal cover there are any amount of no win no fee outfits that will take on a nailed on third party is at fault case. Buying the bike back is not as easy as it once was, it really depends on what category write off it is I believe? Good luck mate.
After a fruitless session on the DVLA website I bit the bullet and phoned them, surprise, surprise only 3 " chose a number for progress" I got to speak to a real person who spoke clear English, ( important when you are partially deaf) He checked the database by reg' No' and confirmed that the other parties insurance had reported it as written off but that if I was happy that it could be repaired to roadworthy there was nothing more for me to do but fix it and ride it. There will be a note added to the "logbook" should I sell the bike in the future. I call that a good result and have done a hundred miles over the weekend to celebrate. Thanks to all for your responses to my original post.
