Post Crash Advice

Discussion in 'Triumph General Discussion' started by Wishbone, Sep 7, 2019.

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  1. Wishbone

    Wishbone Senior Member

    Nov 4, 2018
    654
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    Essex UK
    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.
     
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  2. Helmut Visor

    Helmut Visor Put on your big boy pants and man up
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    Oct 3, 2018
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    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 :cool::cool:
     
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  3. Dozers Dad

    Dozers Dad Bushmills Chief Quality Controller
    Subscriber

    Yeah, the feckin thieving [email protected]! It's an absolute outrage HV! :confused:
    20190906_133959.jpg
    I bet £30 of that is down to people taking the pi$$ with personal injury claims! :cool: :p

    On a more serious note @Wishbone. Were the Cops involved & do they intend to prosecute the old lady?
    That often helps enormously. Insurance companies rarely dispute who the Cops say is at fault.
    As for what you can claim for? As HV suggested, go to a legal firm who specialise in motorcycle accidents.
    They are all parasites. So you may as well use a specialist parasite.
     
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  4. Wishbone

    Wishbone Senior Member

    Nov 4, 2018
    654
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    Essex UK
    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.
     
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  5. littleade

    littleade The only sane one here
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    Mar 17, 2015
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    If your claim against her insurers is successful then depending on the insurers you either don't pay the excess, or if you do you then claim it back of her insurers
     
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  6. Kenbro

    Kenbro Senior Member
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    Jul 9, 2019
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    Manchester, UK
    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.
     
  7. Dozers Dad

    Dozers Dad Bushmills Chief Quality Controller
    Subscriber

    @Foxy1 is our resident expert on that. Having purchased his Speed Triple back from his insurance company last year.
     
  8. Callumity

    Callumity Elite Member

    Feb 25, 2017
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    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.
     
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  9. Foxy1

    Foxy1 Senior Member

    Aug 31, 2018
    471
    213
    Sheffield
    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.
     
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  10. Dozers Dad

    Dozers Dad Bushmills Chief Quality Controller
    Subscriber

    Ah, but that was then Foxy. You now have hands on expert knowledge to share mate :)
     
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  11. Foxy1

    Foxy1 Senior Member

    Aug 31, 2018
    471
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    Sheffield
    And share I will. I'll help anyone, if I can, for any reason.
     
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  12. Dozers Dad

    Dozers Dad Bushmills Chief Quality Controller
    Subscriber

    Good man :)
    I've just PM'd Wishbone regarding the idea of buying the bike back.
    Hopefully it'll pan out for him the way it did for yourself? :)
     
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  13. Foxy1

    Foxy1 Senior Member

    Aug 31, 2018
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    Hopefully mate.
     
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  14. Adrian Braithwaite

    Sep 7, 2018
    35
    18
    Wakefield
    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!
     
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  15. BATEBY45

    BATEBY45 Well-Known Member

    Apr 29, 2014
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    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?
     
  16. Callumity

    Callumity Elite Member

    Feb 25, 2017
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    ‘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.
     
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  17. Foxy1

    Foxy1 Senior Member

    Aug 31, 2018
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    Sheffield

    I never had mine inspected, mate.
     
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  18. Callumity

    Callumity Elite Member

    Feb 25, 2017
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    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.
     
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  19. Easy Tiger

    Easy Tiger Senior Member
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    Jan 2, 2020
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    Wirral England
    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.
     
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  20. Bad Billy

    Bad Billy Baddest Member
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    Jun 1, 2017
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    #20 Bad Billy, Feb 21, 2020
    Last edited: Feb 21, 2020
    Hi mate, sorry to hear you have been in an accident :mad:, 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. :)
     
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