Do I get a T-shirt or summat?

[STRAMASHER]

Remember to ask whoever is representing you about "Incovenience money" , and claim for public transport/taxis everyday of the week. A claim I had years ago I think I was getting £40 a week. Especially worth it cos he may try acting the cnut after he has a wee think with his insurance company, which might drag it out till your mob gets they're act together.

Oh the joy.

Glad you are ok dude. You will get a handsome cheque eventually to get something bigger/better/faster if your pride and joy is knackered.

Start dreaming!

[yorkie_chris]

Originally Posted by petevtwin650

Phew, that's quite a lot of damage to your clothing and the bike for a town off.

Glad you're relatively ok.

With the forks having comestic damage on top of the other stuff you could be looking at a write-off. Not sure if CN come with inbuilt clothing insurance anyway if you're fully comp, which hopefully you are

It should be the others guys fault and you should be able to claim fior everything, but until you have the money in your hands I wouldn't be 100% certain.

Don't need clothing insurance really, it's down to cagers insurance to sort that out for you.

Originally Posted by Nobbylad

Cheers guys..Dave...how do you know he was wearing a hat?!

and yes...fully comp...worst thing is I loved that bike

Bike can be fixed.
P.s toe sliders are supposed to get a bit worn!

Originally Posted by Nobbylad

Hmmm....on the phone they said it sounded cut and dried (as fizz said) so I can claim my excess etc. I'm assuming if this goes as expected, I'll be able to claim for everything against his insurance? Where will I stand when I come to re-insure, I'll have to declare it, but surely it will be classed as no fault (for me) and fully paid (by him) so are my premiums likely to go up?

BTW - although I'm with CN, the insurer is actually Equity Red Star....any experience of them?

Plus, if the bike is written off, I reckon with a bit of TLC it's perfectly OK as a naked pointy....is it worth considering buying it back and reselling it etc or should I just stop trying to get ahead of myself and chill out for a bit and see what happens?

For the moment I would try and get names and addresses of the witnesses, wouldn't hurt to try and get them to pen something down so as not to forget details.

Also, take lots of pics of your gear, bike etc.

From the sounds of it, the damage to it is not too serious and a buy-back would be fine.

Glad you ok mate and walked away, doesn't sound like you'll have any problem with the insurance

Oh and here's that flippin' tshirt you keep going on about

[Nobbylad]

Originally Posted by timwilky

ERS can be a bit of a pain to deal with. I am convinced that sometimes they do not use an assessor, simply take a repairs statement that it is beyond economical repair and hit the Glasses guide.

You then get their claims handlers who know nothing about bikes makes/models/condition. In my case when I told them they had quoted me £800 below Glasses they finally admitted that somebody had used the wrong model/year etc. conceded that a 6 year old bike with less than 2000 miles (I had only had it for 6 days) would have a far higher than Glasses value etc. and lo and behold a further cheque for £900 came through the door.

So be prepared to hold out if they write it off for a reasonable settlement. You are also entiled to recover costs of damage to helmet/clothing and personal property on the bike. But you need to take that through an uninsured loss route, if you have legal cover, your appointed solicitor will do that for you. Remember you can appoint your own solicitor. You do not need to use the one your insurer wants to place your claim with.

Thanks Tim...will check on the legal cover aspect, if I haven't got legal cover (will need to check my policy) is it worth going privately, small claims etc?

They offered me a hire bike but I'd need to buy a new lid etc and would rather wait until the claim is sorted before buying new gear, so they're bringing a courtesy car round tomorrow and taking the bike to their depot for assessment...apparently they were going to send it to the nearest repair centre (how Sheffield is near to Ormskirk I'll never know), but decided to get it looked at first in case they think it's uneconomical to repair.

Originally Posted by missyorkie_chris

Glad you ok mate and walked away, doesn't sound like you'll have any problem with the insurance

Oh and here's that flippin' tshirt you keep going on about

Yay!

Sorry but only just read this.... glad you`re relatively ok and hope everything gets sorted very soon

[mac608]

I used to use CN (note the past tense) - the solicitor they appointed was a waste of time. (see below) If you have you own use them, if not find one.
It took nearly two years to settle a simple claim. One very similar to yours. Driver changed lanes on a roundabout. Only problem, I was in the lane they wanted.
And yes the third party admitted fault, but their insurers refused to accept that. It was only when I queried with my solicitor why was the third party insurers refusing the claim when I had a witness to the accident.
Witness? what witness said my solicitor? They hadn't even got around to getting the witness to make a statement. (and this was fifteen months after the incident!!!!).
Once they had done, and presented it to the third party's insurers, it was all settled fairly quickly.
With regard to your claim, claim for everything. The damage cost to the bike was about £1200, my claim was nearly double that after I included damage to clothing etc. I even claimed the £1.50 for a new IAM sticker.
And until the claim is settled you will lose any NCB you might have. and you can't claim the resulting increase in premium as part of your lose, neither can you claim interest.
Moral of the tale - make a nuisance of yourself with the broker and more particularly your solicitor.

I hope your not too badly injured but defo get yourself checked out at Docs.

I was hit at a junction (in my car luckily) waiting for traffic to clear and was rear ended by haulage lorry at 50mph. I was shunted 50 yards over bollards, car was right off, I was taken to A&E with back and neck pain, just two weeks earlier I had a back op (NOT GOOD).

First thing I would say to you is don't let things go a week without having an update from insurance co, if I hadn't chased them they wouldn't have found out that the Company that owned the lorry hadn't even informed the insurance broker. Then they tried to say I didn't have my brake lights on, that, I informed them was bull as I have an automatic. Just because he admitted it at the time, (which mine did to the Police) later insurance co said he wasn't at fault so get those witness statements asap so they can not forget. Keep on to the insurance co, note everyone's name you speak to, at what time and the result, even phone his insurance to find out what's happening.

I was hit Nov 2006, driver was cautioned for undue care and attention. If you want to claim loss of earnings, pain and suffering be prepared to be prodded and examined by every possibly doc. I have had to fight to get a few grand but it has helped.

I am not the type to claim for anything, I hate it we are getting more like America but I had too I couldn't work for a year with back problems, neck pain and to top that Post Traumatic Stress Disorder. I had that slow motion thing as I could see him coming in my rear view mirror but had no where to go and I panicked. Speak to one of those, no win no fee guy's. Claims direct where great they will be able to get all your kit replaced and anything you may have damaged. They get their fees back from the other guy's insurance but I wouldn't have done anything if it hadn't have nearly killed me and put me off driving.

Good luck mate

Bad luck dude, hope you're not too hurt.
My experience with ERS after a claim 16 months ago (still ongoing ) is BAD

Like calypso67 says..

Originally Posted by calypso67

Keep on to the insurance co, note everyone's name you speak to, at what time and the result, even phone his insurance to find out what's happening.

I didn't, and am having pure grief.
Hope things go well.

sorry to hear dude, glad your ok tho, bike can/will be repaired. your solicitors / insurance wil claim back from his insurance cost for clothes / injury / time off work / travel expenses etc....but dont expect it to be quick!

[Nobbylad]

Thanks for the advice all, only fair to show some pics..think it'll prob get repaired...