Got knocked off the bike - advice on RTA formalities

[Nobbylad]

And of course you may have minor injuries that you might not feel until you wake up tomorrow.

Pass the details to your insurers and instruct them to ensure your bike/clothing/lid is returned or replaced to original condition as a no fault claim. After all, that's what you pay them for.

[TamSV]

My suggestion.

Get you're bike checked over for damage and get an estimate for repair. If you don't want to approach your own insurers at the moment, or if you're only covered TPF&T, send the estimate to the other driver and ask him to pay. Give him a very short period of time to do this - from his attitude I'll be surpised if he co-operates.

If he does settle, report it to your insurers at next renewal as a non-fault accident and it shouldn't affect your future premium.

If he doesn't settle pass it to your insurers or find an accident management company to deal with it.

Originally Posted by the_lone_wolf

the PCSO shouldn't have told you to take it outside the insurers, legally you have to report it to your insurers, in real life it's up to you, if you do report it your premium will go up even if you're totally blame free, such is the scam, if in 6 months time you find out the swingarm is bent or if the van driver decides to try and pull a fast one on you your insurance company is going to be asking why you didn't report it...

Sorry perhaps I wasnt as clear as I could have been. what I meant was:

Originally Posted by Milky Bar Kid

the PCSO has strongly advised against the guy paying for the damage. Meaning that PCSO was saying to go the formal route.

The PCSO did in fact tell me exactly what you have mentioned above lone wolf. Turned out the PCSO was a biker him self. Three accidents made him give up biking but he totally understood the situation.

Originally Posted by the_lone_wolf

a loaded van can weigh 3t+... If one ran over my bike I'd want it checking to make sure everything was straight, just because it wasn't high speed doesn't mean nothing will get damaged

Very good point. He ran over my tyres though and not the rims???

Originally Posted by G

Your rear wheel and disc could be bent if he drove over it... The swing arm probably is not meant to take force in that direction either.

I have been in your situation before although liability was slightly less clear cut so I just paid to fix it myself.

In your situation i would want to know If the damage was more serious, if it wasn't I would not persue and would just hope karma caught up with him eventually.

Again it's definately something to think about. Thanks. I do like Karma, but sometimes where humans can be a catalyst I think we ought to give Karma a hand.

Originally Posted by Juju

Why do you think that making a claim is going to punish him in anyway? Most claims are made against a huge insurer, not the person directly involved. I hear it as a justification for "dodgy" claims all the time.

Some top advice Juju. Sounds like some or all of it is from experience?

I guess it's not a total punishment...though if a person continually gets away with something without any consequences then they are unlikley to stop that action.

Originally Posted by Biker Biggles

Insurance all the way.I take it the PCSO witnessed him offering to pay thereby tacitly admitting liability.Your bike needs a thorough check over for damage after he ran over the back wheel,and it may be a write off.Did you actually fall off and hit the ground?Your clothing and helmet may be damaged too.

That's my line of thinking Biggles. I was thinking there is an implicit acceptance of blame in front of the PCSO.

Originally Posted by TamSV

My suggestion.

Get you're bike checked over for damage and get an estimate for repair. If you don't want to approach your own insurers at the moment, or if you're only covered TPF&T, send the estimate to the other driver and ask him to pay. Give him a very short period of time to do this - from his attitude I'll be surpised if he co-operates.

If he does settle, report it to your insurers at next renewal as a non-fault accident and it shouldn't affect your future premium.

If he doesn't settle pass it to your insurers or find an accident management company to deal with it.

Thanks TamSV. great advice.

Thanks to all for the good advice . I've obtained the paperwork from the police and have taken a few pics of the damage.

Hopefully this will be wrapped up very soon.

[TamSV]

Originally Posted by abdul.aziz

I think we ought to give Karma a hand.

Brilliant

So maybe all the bad things I've done to people was just their bad Karma getting them back! I knew the ******** deserved it.

Maybe TamSV. Maybe. Well, assuming Karma actually exists

did he look like this?

OMG thats the b*****d!!! lol

Originally Posted by the_lone_wolf

Secondly, the PCSO shouldn't have told you to take it outside the insurers,

The PCSO didn't, he/she said NOT to accept this offer outside the insurer.

I would call your insurance company make sure he is all legal, your premiums should be affected too much, I crash in to a car in my car about 10 years ago at 10mph and rear to rear and caused over £1000 in damage.