My First Accident on my SV

[I'm_a_Newbie]

Well I suppose it was bound to happen at some point. Today, on my way home from work I was rammed up the rear by some numpty who wasn't looking where she was going. Luckily I had just pulled away so I wasn't stationary otherwise it could have been worse.

It happned at the roundabout in Cosham where London Road meets Southampton Road. I was heading towards Cosham from North Harbour. The traffic was really busy, I had heard the Eastern road had been closed in both directions because of an accident. I manged to filter right up to the roundabout as the left of the 3 lanes was completly empty. I stopped and waited for cars already on the roundabout to clear. When I saw a gap I started to move, I looked left and saw that the Zebra crossing was holding up traffic blocking my exit (what a really stupid place to site a Zebra Crossing) so I stopped again. I waited a few seconds for the exit to clear, saw another gap on the roundabout started to move and then wham! She must have come down the left lane, looking right at the traffic on the roundabout and wham, didn't see me in front of her.

What gets me is not once did she ask if I was OK. I looked by bike over but could not see any obvious damage. When I asked for her details all she cared about was that I had said that there was not any damage and that how did she know I wasn't going to create some story and make false claims against her. I corrected her and said "No I said there is no obvious damage." I also added that I won't know for sure until I get to ride the bike and give it a thorough inpection.

[I'm_a_Newbie]

Can any of you guys let me know what damage to look for if this has happened to you. The bike seems to ride OK. It keeps a straight line, there does not seem to be any vibration or additional noise.

I think I may have been lucky this time, but I need to be sure in case I do have to make a claim.

Tim.

[Stu]

Glad to hear you're OK!
My first impression is to charge her for a professional inspection of your bike and take her to the cleaners for her attitude!
But if there is no damage to your bike you are going to be better off not declaring an accident to your insurers even if it was not your fault. I'm sure they still load your premium :evil:

[Quiff Wichard]

call insures anyway- do it- not your fault..
register it with them.!!


then get it checked out at her expense mate- -

dont let them get away with it-

someone will do it to u one day


thats what insurance is there for..


and- as has been said- u need to report it to your insure to cover yer ass anyway

[Abyss]

Glad your alright. She sounds abit bitchy.

This is something I know nothing about, if someone does hit you what are you ment to do?! What are you ment to discuss? what details do you take?!

If someone hits you and you report it does that count as making a claim and loose your no claims?!

Meh its all new to me.

[21QUEST]

Glad you were not injured and no apparent damage to bike. Her attitude sucked though.

Now Im someone that that usually can't be bothered with insurance companies if I can help it but that would get my goat. You might end up paying for every little scratch if you get funny with me after just ramming me up the back :x

Cheers
Ben

[fraser01]

Cosham was quite chocka with the fatal RTI on Eastern Road, i take it she did pass her details?

Sorry to hear about your off, lets hope the damage is nil or minimal.

Rich

[I'm_a_Newbie]

Glad your alright. She sounds abit bitchy.

This is something I know nothing about, if someone does hit you what are you ment to do?! What are you ment to discuss? what details do you take?!

If someone hits you and you report it does that count as making a claim and loose your no claims?!

Meh its all new to me.

If you are involved in an accident you must stop and give your name and home address to anybody who has grounds to need it. If someone is injured you must report the accident to the Police. This includes certain animals, but not all. Never admit fault at the scene of the accident. Ask witnesses for their details to help with any claim that you make. Make a note of the position of all vehicles involved, road signs and markings. If you have a camera with you take pictures to help your case.

A mate of mine was involved in an accident several years ago in his firms lorry. He stopped and gave his name, the name and address of his employer. It turns out the woman had a Policeman as a friend and it ended up with my mate getting done for failing to exchange details because he gave his employers address and not his own home address. He tried to play fair but got done for it. I know the Police have a job to do and at times it's not easy but is it any wonder they get no respect at times when they behave like this.

Tim

[I'm_a_Newbie]

Cosham was quite chocka with the fatal RTI on Eastern Road, i take it she did pass her details?

Sorry to hear about your off, lets hope the damage is nil or minimal.

Rich

Hi Fraser, yes she did give me her details, although she wasn't keen about it at first. I hope you are not offended by my comments in my reply to one of the other messages about the Police.

The speed limit of 70 on the Eastern Road is too high, especially where there is no barrier between the different sides of the carraigeway.

Tim

[fraser01]

Cosham was quite chocka with the fatal RTI on Eastern Road, i take it she did pass her details?

Sorry to hear about your off, lets hope the damage is nil or minimal.

Rich

Hi Fraser, yes she did give me her details, although she wasn't keen about it at first. I hope you are not offended by my comments in my reply to one of the other messages about the Police.

The speed limit of 70 on the Eastern Road is too high, especially where there is no barrier between the differnt sides of the carraigeway.

Tim

Nope not offended, and yes limits are high on eastern road, the lanes are too narrow for a start..maybe a 50 limit would be better...there will always be accidents there though. :)

Rich

[nickj]

As the others said, call your insurers as it was a read end shunt it's definitely her fault and you should get your bike checked.

[Yellow650]

If there's one thing I've learned from seeing friends get into accidents, it's that looks can be very deceiving. Often times with an auto accident, the car will look fine after one trip to the repair shop, but the good-looking outside can hide major mechanical problems. While I realize that motorcycles are less complex and there is less to "hide," I would recommend, as others have, that you inform your insurrance company of the incident, have it professionally inspected, and, if needed, repaired at the woman's expense.

[Scoobs]

**** one Tim. Was this about 5:15 last night? If so I saw your bike in the middle of the road. Unlucky fella. Hope you get it all sorted soon.

[rwoodcock01]

****, glad you ok mate, since the lass was being a bit of a tart, I would get it reported mate, and get you bike checked over.

Important thing is your ok! :wink:

Richard

[Ceri JC]

Sorry to hear she was such a ***t about this. Unfortunately, many people's interpretation of insurance companies advice to not admit liability at the scene whilst you're still shaken up is "Forgo all decency and attempt to weasel your way out of accepting responsibilites for your actions when it's patently your fault (eg you rear end someone, pull out on them/hit a stationary vehicle etc.)" :roll:

Glad the bike sounds relatively undamaged, I'd still take it to a garage and get them to give it a through check over (swingarm, rear tyre etc.). Pay them for this and claim this as a cost incurred from her insurer (even if the bike is fine, her actions still caused you to have to get it checked professionally). This way she'll have an actual "claim" against her on her file and feel the sting at renewal.

[Sid Squid]

The speed limit of 70 on the Eastern Road is too high, especially where there is no barrier between the differnt sides of the carraigeway.

Tim

...and yes limits are high on eastern road, the lanes are too narrow for a start..maybe a 50 limit would be better...

If there's no central divide then is it not an NSL 60 limit? Unless posted lower of course.

[skidmarx]

similar thing happened to me, but my bike was a complete write off! Didn't look that bad at first, but it was. I'd get it checked out before you loose her details.

[Stu]

Does everyone agree, a not at fault accident would not increase your insurance premiums?

[Kate]

Does everyone agree, a not at fault accident would not increase your insurance premiums?
Your premimums will be affected. I have a non-fault claim and that increased my premium by a couple of hundred quid. It doesn't matter if its non-fault or not, the fact that you've reported it means its going to increase the premiums for the next 5 years or so.

I was rear ended twice on the SV last year. The first time there was quite a lot of damage to the rear of the bike - the exhaust was bent out at an angle, the number plate was forced to the other side of the rear wheel and the rear body work needed replacing as well.

The other time was just a gentle nudge and no damage was done. Both times I took pictures of the number plate of the car that hit me in case they gave false details.

Personally, if there is no damage to the bike I wouldn't report it to the insurance company, I've learnt that lesson.

[creamerybutter]

Bugger, I would get it checked at least.

Does everyone agree, a not at fault accident would not increase your insurance premiums?

I wouldn't, I had a non fault claim and my insurers knew about it but the other persons insurance company paid for the repairs, I also declared it come renewal and my premium went down quite a bit.

[curium]

Can any of you guys let me know what damage to look for if this has happened to you. The bike seems to ride OK. It keeps a straight line, there does not seem to be any vibration or additional noise.

I think I may have been lucky this time, but I need to be sure in case I do have to make a claim.

Tim.
DO NOT WASTE ANY TIME IN CREATING A PAPER TRAIL!!

Report the accident to the police, get a ref number, report it to you insurance company.

Check the rims for any chip or crack and claim, ditto for fairing.

Get the rear off the ground and make sure it spins true and free.

I'm not a mechanic but damage to the wheels and possible frame damage is what I'd be fearful off. Frame damage can be difficult to spot unless it's very bad. I'd get as much bodywork off and check the frame for any signs of stress or cracks.

[I'm_a_Newbie]

sh*t one Tim. Was this about 5:15 last night? If so I saw your bike in the middle of the road. Unlucky fella. Hope you get it all sorted soon.

Hi Scoobs, no it was about 5:50.

[fraser01]

The speed limit of 70 on the Eastern Road is too high, especially where there is no barrier between the differnt sides of the carraigeway.

Tim

...and yes limits are high on eastern road, the lanes are too narrow for a start..maybe a 50 limit would be better...

If there's no central divide then is it not an NSL 60 limit? Unless posted lower of course.

I believe that the majority of it is 70mph, I don’t think the lack of barriers affects the speed unless a restriction is imposed by the local council. I know that large portions of the Eastern road do have barriers, however when they widened some of the road they failed to install barriers in the remaining sections of the road, why I do not know?
I am sure that after this fatal, it wont be long until they impose a lower limit (instead of putting barriers in) The question I ask, is how can the M275 be a 60 and 50 limit and the Eastern road (A2030) be a 70 limit? It just does not make sense

[fraser01]

sh*t one Tim. Was this about 5:15 last night? If so I saw your bike in the middle of the road. Unlucky fella. Hope you get it all sorted soon.

Hi Scoobs, no it was about 5:50.

No it was one of my work colleagues, don't know what happened yet but its reported he broke his pelvis and obtained a few other injuries.

[bumble]

This is why I run a company specialising in this stuff. There are a lot of ways insurance companies can screw you over non fault accidents. Legal expenses for a start when the service I provide is free.
Your insurance contract may require you to notify them though or your cover may be at risk.
They shouldnt really load your premium but my experience is that they seem to.
If you have been shunted from behind you are likely to have a mild whiplash injury so
get it checked out if you have any back pain and then if so go for some compensation - after all you deserve it and she deserves what she gets.

[Abyss]

Then you could keep the compensation for when they put your insurance up! :)

[Wootan]

Couldn't resist joining in, as an insurance an underwriter I can tell you your premium should not be increased for a non-fault accident as long as your insurance company makes a full recovery from the third party's company. If it becomes a regular occurance and you are constantly involved in collisions insurance will begin to question your driving/riding habits. The thing to remember is insurance is a very competative market and if you're are not happy with renewal shop around. I also wouldn't worry about notifying your insurer straight away, there are FOS/FSA guidelines in place to protect you as a policyholder, from my experience most insurers will register claims up to 6 months after the incident without fuss if you have been working under the assumption of dealing with it privately. If you do contact your company and then deal with it privately make sure you call them back and advise them of this as an open claim is treated as a fault claim until its settled.

[bumble]

Ha ha!
yup you can also use it to get a newer bike.

[fraser01]

Update in relation to the bike RTI near IBM, it appears that the bike slid after loosing traction due to loose gravel. Bike hit a lamp post. The rider received injuries, broken left thigh, 5 breaks to his hips and a broken wrist.

[Scoobs]

Update in relation to the bike RTI near IBM, it appears that the bike slid after loosing traction due to loose gravel. Bike hit a lamp post. The rider received injuries, broken left thigh, 5 brakes to his hips and a broken wrist.

Faark!

That sounds nasty.

[lynw]

Your premimums will be affected. I have a non-fault claim and that increased my premium by a couple of hundred quid. It doesn't matter if its non-fault or not, the fact that you've reported it means its going to increase the premiums for the next 5 years or so.

Thats really not entirely correct. I have 2 non faults registered against the SV and the CBR. The only time I had a problem was getting the CBR insurance as a multi-bike because the other was outstanding. Given it had been settled by renewal time it had absolutely no effect on my premium for the SV.

But thats the crux of it. IF the cases are outstanding and no fault admitted by third party at time of renewal, then yes your policy will be loaded for the risk that they may have to accept some blame. IF the case is settled, it wont load your premiums.

Personally, if there is no damage to the bike I wouldn't report it to the insurance company, I've learnt that lesson.

Again, what applies to you doesnt necessarily apply to someone else.

To advise against reporting it could seriously damage someones case if the other person does and they tok your advice and didnt report it.

You certainly do not know how underhand the other person is going to be in making a claim against you. If you dont report it at the time then they contact you after receiving the third partys insurance claim, its not exactly going to look good for you is it? You may trust the other person, frankly I dont trust anyone enough not to.

:?

[Biker Biggles]

Bad doos mate.It's mostly been said above, but one thing struck me as odd.Did your bike go over and you with it?If so there surely must be some scratches to the bar ends,levers exhaust or something?And your clothing must have got scuffed on the road,and your lid damaged?As someone said a stiff neck is always a possibility and will be worth a grand or two in compensation.

[I'm_a_Newbie]

Update in relation to the bike RTI near IBM, it appears that the bike slid after loosing traction due to loose gravel. Bike hit a lamp post. The rider received injuries, broken left thigh, 5 breaks to his hips and a broken wrist.

Ouch, that had to hurt. Hope he pulls through OK.

Why don't local authorities sweep the roads anymore? Bunkers Hill is bad and also the Road the other side of Swanick, I think it's called Twisted Walk Lane or similar, it's the lane that leads up to Portsdown Hill ffrom the roundabout.

Tim

[I'm_a_Newbie]

Bad doos mate.It's mostly been said above, but one thing struck me as odd.Did your bike go over and you with it?If so there surely must be some scratches to the bar ends,levers exhaust or something?And your clothing must have got scuffed on the road,and your lid damaged?As someone said a stiff neck is always a possibility and will be worth a grand or two in compensation.

I didn't go down, I manged to keep hold of it. As I said I had just started to pull away, I must have been doing no more than 4 miles an hour as I had only just engaged the clutch. The bars came up as the bike lurched forward. At first my mind thought the clutch cable must have snapped. It wasn't until my brain registered the sound of the impact that I realised what had happened.

Tim

[Warren]

Does everyone agree, a not at fault accident would not increase your insurance premiums?

ive learned from experiene that a non fault accident, non claiming accident, non damage accident DOES increase your premiums, many insurance companys will be honest and say that its because you have had an accident, while some will claim that the broker has put up their fee's

[hutchy]

Glad your ok.

I haven't had a fault claim in 15 years but had 4 non-fault, got charged admin fees from £20 to £35 for "policy amendment" ( I have 3 policies) and premiums have been inflated because I allways seem to have at least 1 running non-fault at renewal. I try phoning round but I've been told numerous times risk is not about blame and the best renewals always seem to be with the companies Im already with. I still keep reporting accidents though, it's better than finding the insurance can wriggle out of a claim.

That said - if you were driving a car you may be prepared to take the chance on there being no damage, although in my experience a rear ender on a car always does damage that sometimes doesn't become apparent for a while (or in my case till it rained and the boot filled up???)
As your riding a bike you have to be extra careful - it would be a disaster if something on the rear or even front suspension failed at speed due to your accident, bike frames can be bent just by a standing drop - get it checked by a professional and claim that cost, go for whiplash - use that to offset any additional insurance costs.

[JediGoat]

Having made a no-fault claim last year, which was settled, I recently had my renewal letter from Bennetts. The quote for TPFT with them was £300-350 higher than all the other quotes I got for Fully Comp! The renewal letter also made no mention of my 1yr NCD that I should have earned.

Seems the reason behind it was that the underwriters hadn't informed them that the claim had been settled as 'no-fault'. Once Bennetts confirmed this with the underwriters, they offered me a quote on par with the others I'd received.

So it seems that my premium has been unaffected by the claim....but then it was all settled 9 months ago.

Jo