Bike knocked over by wind - insurance cover?
 

I parked my bike in the underground car park today as I knew it was windy. I got told to move it to outside the front of the office. I explained it was windy hence I want to protect the bike from being knocked over by wind and I don't want to a) damage my bike, b) damage the office property or cars next to my bike.

What happens, at 10am I get an email:

"Your bike has been blown over into my car. Please give me your insurance details so I can claim off you"

It just so happened to have knocked into the car that belongs to the same woman who told me I am not allowed to park in a parking bay!!

We are on private property so should I tell her to talk a long walk off a short cliff?

I checked rules and regs and there is no rule against me parking my bike in a bay, and in fact this woman has no authority to tell me to park anywhere.

:mad:

EDIT: To make it clearer I had moved my bike to outside the office once I was told (incorrectly) that I could not park in a bay underground.

Re: Bike knocked over by wind - insurance cover?
 

Not 100% sure but I'd say she claims off you, you claim off the company public liability insurance for both the damage to the car and to your bike as you were instructed to move it

Can't see you having legal reason to not provide details and not doing so may get you bother

Make sure you get her admission that she instructed you to leave the bike outside and you did so under protest in writing or you'll likely get shafted by the company bean counters

Re: Bike knocked over by wind - insurance cover?
 

Ah mate that is really rubbish. I can't be of help but hopefully you had some sort of witness to you telling her that the bike would blow over in the wind. stupid cow, grrrrr.

Re: Bike knocked over by wind - insurance cover?
 

That sucks. Yeah- I'd take that up with your company first, definately.

Re: Bike knocked over by wind - insurance cover?
 

If its a private car park, the police won't be interested. Is there any CCTV monitoring? cos if there aint, and no witnesses, i'd be tempted to tell her where to post her claim.

Re: Bike knocked over by wind - insurance cover?
 

Same as, tell her to shuve it yp her ar*e, she might off pushed it over, you never know?

Re: Bike knocked over by wind - insurance cover?
 

That's a very fair point. She could have done it!

Re: Bike knocked over by wind - insurance cover?
 

Definitely dispute! If there's no cctv point blank refuse, get her to admit she told you to move it there and then battle it. Simply she could have set you up or alternatively it wasn't parked there out of your choice it was her/the companies choice if anything you should be claiming of her/them.

Re: Bike knocked over by wind - insurance cover?
 

small claims im guessing,

having had a car damaged in a private car park you dont have a leg to stand on basically. :(

Re: Bike knocked over by wind - insurance cover?
 

Eh. Why not. I came out of work to find a car embedded into the side of my personal car on the management car park. A quick check with security confirmed the offending vehicle to be a company vehicle and the keeper. A check then with admin confirmed a secretary had borrowed it and when questioned said she heard a noise as she parked up.

Insurance paid out for new rear 1/4, 2 door skins, front wing plus labour. Not bad for heard a noise

Re: Bike knocked over by wind - insurance cover?
 

Aw thats bad luck Dan :(. I have no idea what to do sadly.

Re: Bike knocked over by wind - insurance cover?
 

phone your insurance and ask the question does your insurance cover you on a CAR park, bike parks your covered, car parks most insurances dont cover you, if your not covered you still have the legal requirement to ride and they cant claim off your insurance:cool:

otherwise sue the person that asked you to move it, its illegal not to provide equal parking to that of cars otherwise each bike can use its own car parking bay. Discrimination is illegal last time i checked. So they MUST provide parking for you underground parking which is equal to that of where the cars park.

Re: Bike knocked over by wind - insurance cover?
 

Is she fit?

Re: Bike knocked over by wind - insurance cover?
 

I've not heard anything like this before. So let me know the outcome as it could prove useful.

Re: Bike knocked over by wind - insurance cover?
 

i had it before on a public car park they waited for me, they was bigger than me and so i gave them my insuarance details and Carole nash said, oh we are sorry his insuance doesnt cover CAR parks as asda failed to put in designated motorcycle park bays you can try to claim off them, they then called me and asked about my damages, i said exhaust they called the asda store up and claimed off them and the Suzuki VL125 i had at the time got a shiney new exhaust after the 2 scratches was all that you could see on it :)
hth:D

Re: Bike knocked over by wind - insurance cover?
 

That is bloody handy to know. I hope this is the case here too! Good luck Dan.

Re: Bike knocked over by wind - insurance cover?
 

not quite that simple - just because your insurance doesn't cover car parks, does not mean you're not still personally liable. If the other party has legal cover, you could find yourself in hot water.

Re: Bike knocked over by wind - insurance cover?
 

this part is useful to know as well, they use legal you sue the company for not have equal parking for motorcycling or the person who told you to move it.

Re: Bike knocked over by wind - insurance cover?
 

tell her to take a running jump

Re: Bike knocked over by wind - insurance cover?
 

Right. Told her to get stuffed as she caused the problem in the 1st place.

Furthermore, upon very close inspection, my bike has no damage other than a scraped bar end and slightly scuffed rear panel (which was already scuffed from my friend reversing into me a while ago). :rolleyes:

She has taken my reg etc and threatened with police, saying it was a hit and run. Lol!! Funny how a bike can all of a sudden ride itself. She really is a prize plonker.

Have requested CCTV from security to see if there is any proof of my bike falling over onto her car. When I went outside to pick it up it was just on the floor.

Thank god for R&G's!

EDIT: I forgot to mention that she wants £300 for damage to her vehicle if I don't want to go down the insurance route. Apparently she phoned a gargage, explained the damage and they told her over the phone. I asked for the garages number but funny that she couldn't remember even the name of the garage.

The smell of BS is choking me.

Re: Bike knocked over by wind - insurance cover?
 

slap her around a bit.

She's trying to take you for a ride, no garage gives an estimates over the phone especially not imaginary ones. She probably pushed ya bike over by the sounds of it. I'd wait see what security say if there's no cctv coverage then I'd complain to the company and perhaps the police, say she's been harassing you likely trying to con you. then kick her car in :mrgreen:

Re: Bike knocked over by wind - insurance cover?
 

Kick her in the c***.


Job done.

Re: Bike knocked over by wind - insurance cover?
 

:winner:

Sounds like you are good friends with all your co-workers btw ;)

Re: Bike knocked over by wind - insurance cover?
 

Jeez- who IS this person?

Where the hell do you work?!!

Re: Bike knocked over by wind - insurance cover?
 

Actually, I bet she isn't fit.

Re: Bike knocked over by wind - insurance cover?
 

I'm not sure insurance would class this as your fault anyway - assuming you parked normally then isn't this the wind's fault and anyone who suffers damage needs to claim off their own insurance? I'm sure I heard something similar when someone's car door was blown into another car by a gust of wind - the third party had to claim on their own insurance as the person in the first car hadn't been 'negligent' in the way they opened their door. Could be wrong though.

Re: Bike knocked over by wind - insurance cover?
 

Use the insurance terminology, BECAUSE IT WAS THE WEATHER CONDITIONS IT WAS AN ACT OF GOD, i'm sure thats what they say when they absolve themselve's of laibility.

Re: Bike knocked over by wind - insurance cover?
 

+1,

Re: Bike knocked over by wind - insurance cover?
 

See i'd say they were negligent by definition. If you open your car door and the wind catches it and it hits someone else's vehicle, you weren't being careful enough. Hence negligent. Still I seem to have a old school understanding of the english language :confused:

Re: Bike knocked over by wind - insurance cover?
 

I tend to agree with your point - I get properly narked at the way some people throw their doors open without thought for the cars round about them (hence why I'm always the one parked furthest away from the supermarket in splendid isolation). This is why I'm always really careful opening my car door (holding on with both hands when it's windy!) but even still it happened to me once. Fortunately the bloke whose car I hit was fine about it (he said it was just another dent to add to his collection) but then someone told me this story which suggests it wouldn't have been classed as my fault anyway because I wasn't 'negligent'. Can't remember if it was a reliable source though.

Re: Bike knocked over by wind - insurance cover?
 

No CCTV footage available as the area is just out of shot. Also she had moved her car from anywhere near my bike. My bike was on the floor and I fail to see how it even hit her car as it fell away from whatever car was parked near it, not towards it. I have told her to provide proof that my bike damaged her car and until she can do this I will not even entertain the idea.

She is fit. Very, very fit unfortunately.

I would, even after this*. ;)




*Then tell her she was ****.

Re: Bike knocked over by wind - insurance cover?
 

I think you should, as a gesture of goodwill, offer to take her out for a meal and a few drinks.

You can always leave a few quid on the pillow the next morning (in shrapnel obviously).

Re: Bike knocked over by wind - insurance cover?
 

EFA...

Re: Bike knocked over by wind - insurance cover?
 

I would, only I think my wife would get upset.

Besides, she is not as hot as my wife. If you're going to fool around at least do it with someone hotter than your current gf or wife.

Me, shallow? :D

Re: Bike knocked over by wind - insurance cover?
 

Feet firmly planted on the ground there imho ;)

Re: Bike knocked over by wind - insurance cover?
 

ok get a 360 view of her car before "your bike hit it" if you can get a copy of the footage post it here so i can run it through a shadow and image checker if theres even the slightlist dent pre-accident if there is i recommend sueing her for damages to your bike!

if you can prove that the wind speed isnt enough to knock an sv off the stand, it implies she took it off the stand.

Re: Bike knocked over by wind - insurance cover?
 

it'd be hard to do but I would check for signs of it being an old accident on her car - get her done for fraud

Re: Bike knocked over by wind - insurance cover?
 

Sounds like someone's been watching a bit too much CSI Miami

:smt043

Re: Bike knocked over by wind - insurance cover?
 

btw dan arnt these forums public?? lol becarefull can see a slap approaching lol

Re: Bike knocked over by wind - insurance cover?
 

looking at shadows is easy you need to be able to zoom at look pixels not the picture, good editing software is all you need, how they do it on CSI is beyond currently technology :P