View Full Version : Major Off
Hello everyone havent posted i dont think since i traded in my SV for a wee GSXR.
Now my wee GSXR is probably a pile of scrap when a car driver coming towards me decided to go through me to get to a parking space! :sad:
Now i have been dealing with the insurance and police etc but by the looks of it, it may take a long time. does anyone have any idea how long these things take to resolve? the police have charged the other person with careless driving and the blame is all his. Im fairly lucky just loads of brusies and a sore wrist and shoulder but my kit is kinda written off helmet, gloves, trousers etc (could have been worse and thats what we buy good kit for, right?) and my major worry is that if the bike is written off i will end up getting buttons for it? I kept it well maintained and polished cleaned etc but all that counts for nothing with the insurance? :smt089 still not fair.
sorry to hear this. if you have full accidental cover on your contents insurance you may be able to claim for your leathers and helmet on that.
every case is different. if he is not disputing anything should be quicker but not quick. solicitors etc are renowned for not doing anything fast.
at least you are relatively unhurt. good luck with it all and keep us updated
Luckypants
12-06-07, 08:08 AM
Second what KiiKat says about claiming off your contents insurance for your kit, I have successfully done that this week. HOWEVER, since this is a non-fault accident the car drivers insurance should pay for your ruined kit, not any insurance you hold.
I too was also worried about the value I would have put on my bike. They assessor rang me yesterday and asked how much I thought it was worth. I went top end retail price and he agreed! He could see it was a good bike, well maintained etc and fully worth full retail for preplacement.
So stick to your guns, things might not be too bad.
Tiger 55
12-06-07, 08:08 AM
I kept it well maintained and polished cleaned etc but all that counts for nothing with the insurance?
Well, not nothing, you never get more than bottom book price but if the adjustor can see it was a pile of ****e before the crash then they'll certainly offer less...
As for the kit, it's just a question of what your various policies cover. And don't forget whiplash and mental anguish while you're at it.
Shellywoozle
12-06-07, 08:27 AM
Sorry to hear about that. It's good the Rozza's are doing him for due care, holds up well for you re insurance, and in the future when you get renewals.
I would certainly tell your insurance the cost of a replacement kit and get them to claim it back off his insurance, as already been said above.
Go to the doctors with some injury and claim compensation, all you need is a police and doctors report and you will have a police one already done, just ask them for the job number and bob's ya uncle.
Hope the insurance goes through quickly - main thing is you werent too hurt :)
timwilky
12-06-07, 08:35 AM
It is quite simple, You should get the pre-accidental value.
The assessor in making his valuation, will look at the general condition of the bike, for evidence of pre-accidental damage. etc. Just like your local stealer would when you would look to do a trade in.
Yes you will get more than bottom book, if it warrants it. For better than average condition, for low miles etc.
The assessor is not out to rob you, simply to assess the costs to repair, the value of the bike. They are not in the business of costs reduction but to ensure that their principle makes a settlement that is accurate and fair.
Normally the person feeling the brunt of an assessor is the repairer. As they would negotiate the scope of repair and time/materials to perform said repair. Where the vehicle is beyond economical repair, it has a value. This value should be what you would expect to pay for an identical vehicle. If you are unhappy with the assessors valuation, tell them why, but present evidence. adverts for identical bikes etc.
If it's 100% his fault, then you shouldn't have to claim anything on your insurance. You should get the value of everything you have lost (bike, gear, lid - they should take the new price for your lid), and compensation for injuries, lost earnings etc from his ins co. You shouldn't lose any no claims bonus either. That's what third party ins is for!
Have they sorted you out with a hire bike or an interim payment for the bike? You are entitled to one. Basically he owes you for ANY inconvinience you suffer.
As for timings: Well it can take ages. A year, two...
Have you been appointed a solicitor by your ins co?
Good luck getting it sorted!
thumper21
12-06-07, 03:09 PM
Sorry to hear whats happened to you, its a pi55er. Hope you get stuff sorted soon.
If it's 100% his fault, then you shouldn't have to claim anything on your insurance. You should get the value of everything you have lost (bike, gear, lid - they should take the new price for your lid), and compensation for injuries, lost earnings etc from his ins co. You shouldn't lose any no claims bonus either. That's what third party ins is for!
Have they sorted you out with a hire bike or an interim payment for the bike? You are entitled to one. Basically he owes you for ANY inconvinience you suffer.
As for timings: Well it can take ages. A year, two...
Have you been appointed a solicitor by your ins co?
Good luck getting it sorted!
Bloody brilliant it can take a year or 2 to settle claims!!! I am in the middle of sorting mine out just now!
Ok got an offer from the insurance for my bike (my bike has been written off), now its actually ok only a couple of hundred short of what i thought it was worth???? but my dealer etc mates all say that i shouldnt accept the first offer? what do you think? should i reject and hold out for more? anyone any thoughts? been in this situation?
Cheers. :help:
Essex of Essex
30-06-07, 07:45 PM
Show them adverts for machines of similar age and mileage that match your idea of pre damage value; and explain why you feel that the offer is lower than it should be. They may adjust the offer; I've never done it myself but a colleague at work did with the result that they made an improved offer that was part way between the first offer and what he was asking for. It won't cost you anything to try and you may squeeze a little more out of them. Good Luck.
why not just accept the offer. its not completely ridiculous and it will be resolved quicker. is it worth hanging on another few months for another £100?
Well i did think about that but as my Dad says better in my pocket than theirs? and it would be in the region of £500-600? I have already got the mcn advert clippings to prove the cost?
Tiger 55
30-06-07, 09:41 PM
it worth hanging on another few months for another £100?
Maybe...
£500-600?
Hell yes!
SVTONYB
01-07-07, 12:30 AM
Well i did think about that but as my Dad says better in my pocket than theirs? and it would be in the region of £500-600? I have already got the mcn advert clippings to prove the cost?
If you are saying that they are offering £600 less than you paid then try for more.
How long have you had the bike and how much should it have depreciated
Make sure you claim plenty for your lid, jacket, trousers and boots
I have had the bike since brand new, april 2004. The insurance have offered me £4300 for the bike (which is reasonable) but after visiting Micky Oats and Cupar they both said to get my bike again (same condition, mileage etc etc) would cost from a dealer £4700-4900 so I have statements from both places as well as adverts from MCN to backup my claims so im going to chance it. As for my gear well I claimed for everything i was wearing because (same goes for yourselves) even though my helmets is scratch etc i dont know how hard a knock it has taken so its done its job saved me from any major injury and before i go out again i will be buying a new one for my own piece of mind.
SVTONYB
01-07-07, 03:14 PM
I would try for more "nothing ventured nothing gained" an extra couple of hundred in your hand is better than a poke in the eye with a sharp stick. Tell them its just been serviced new chain, sprokets, tyres etc do everything to bump up the value
Well both ASM & I have been overwhelmed by our ins. payouts. http://forums.sv650.org/showthread.php?t=91236&highlight=insurance
why not just accept the offer. its not completely ridiculous and it will be resolved quicker. is it worth hanging on another few months for another £100?
It's attitudes like this that mean the ins. co's take the pi$$ with their offers.
Hold out for another £1,000.
Well im defo going to hold out for more money! :smt038
If you dont mind me asking how long did it take for the insurance to pay for your gear and personal injuries?
Well both ASM & I have been overwhelmed by our ins. payouts. http://forums.sv650.org/showthread.php?t=91236&highlight=insurance
why not just accept the offer. its not completely ridiculous and it will be resolved quicker. is it worth hanging on another few months for another £100?
It's attitudes like this that mean the ins. co's take the pi$$ with their offers.
Hold out for another £1,000.
:confused: i have bad attitude :(
Hello again everyone.
Been a while now i know but I have only just recieved my insurance payout (Yipee :rolleyes:) so now i have the problem what to do.? wait till Jan or Feb and try and save a **** load on a GSXR750 K7 or wait and grab a new 2008 GSXR750?
Any thoughts?
SVTONYB
20-10-07, 03:01 PM
Glad to hear they paid out but 4 months is a long time to wait :(
You said in june they offered £4300, was holding out worth it ?
How much did they offer in the end ?
£4950 mate, so I kinda think it was worth it. Still waiting the outcome of my injury and gear claim so hopefully a wee bit still to come. ;)
SVTONYB
20-10-07, 04:40 PM
£4950 mate,
Good result and good luck with your hunt for a replacement :cool:
Ordered my new bike today a lovely Black GSXR 750 K8. :smt003 FFFFFFFFFFFinally got the money due (Dam lawyers!) ](*,) to me so thought about time.
Now I was in the usual places Hein Gericke, bike source and the Honda dealer on Clydeside express way but I never saw any nice gear. Are there any other place round about for jackets, boots and helmets etc? or better to just take a chance and order online? Only im not keep ordering a helmet only to send it back because it doesnt fit properly etc. :confused:
SVTONYB
02-04-08, 01:00 AM
Try J&S in Hamilton (Peacock Cross)plenty to choose from :smt045
https://secure.jandsclothing.co.uk//
Tiger 55
02-04-08, 06:54 AM
In a very, very roundabout way, looking at the very, very big picture - you jammy b*stard!
Ride On (http://www.ride-on-motorcycles.co.uk/) in the southside of Glasgow have a decent selection of gear although every time I've ever been in there the lady who runs it would appear to have been off games, which can get a little wearing after a while. Still, worth a punt.
I will take that as a compliment Tiger. However the long period off biking, pain, injuries and damaged gear it seems the least I deserved especially as it was not my fault.
Cheers for the places I will look them up and see what they have to offer!
GSXR 750 K8 pickup 9th of April! =D>
Just thought i would post a few pics of my new bike! :smt077
I hate running a bike in seems to take forever! still will be worth it when its done, just happy the last few days have been dry.
http://www.photobox.co.uk/album/album_photo.html?c_photo=1680226031
http://www.photobox.co.uk/album/album_photo.html?c_photo=1680226044
http://www.photobox.co.uk/album/album_photo.html?c_photo=1680226055
SVTONYB
20-04-08, 08:51 PM
Some cool photos there mate of a v nice bike :cool:
Get yirsel along to a rideout and let us see it in the flesh
I plan to mate but the now im in need of some stablizers! out myself the now just trying to get back into the swing of things. I feel like a beginner whenever i come to roundabout and stuff but once my confidence is back I will make an appearance. :smt045
Tiger 55
21-04-08, 06:42 AM
Just thought i would post a few pics of my new bike!
What, you couldn't find one blacker than that? ;)
There'll be plenty of wobblers at the rideout on May 11th by the way and very few roundabouts!
If it's 100% his fault, then you shouldn't have to claim anything on your insurance. You should get the value of everything you have lost (bike, gear, lid - they should take the new price for your lid), and compensation for injuries, lost earnings etc from his ins co. You shouldn't lose any no claims bonus either. That's what third party ins is for!
Have they sorted you out with a hire bike or an interim payment for the bike? You are entitled to one. Basically he owes you for ANY inconvinience you suffer.
As for timings: Well it can take ages. A year, two...
Have you been appointed a solicitor by your ins co?
Good luck getting it sorted!
This is an important point. Speak to the legal people and get a hire bike. Its amazing how quickly insurers will settle when they know they are clocking up additional expenses on a daily basis.
SoulKiss
21-04-08, 08:50 AM
What, you couldn't find one blacker than that?
Could have gotten one like this :P - thats pretty black :)
http://www.chaoscrypt.com/z750/pics/hugger+bellypan-side-small.jpg
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