How does Insurance look at bike accidents?

probably no more than the driver has offered, and he would probably lose his no claims bonus, no independant witnesses, if the other driver has offered to pay 50% then I think he should take it and perhaps get some advanced training so he wouldn't find himself in the same position again.

Daryl.

Originally Posted by aaron020873

it can only be his fault, as there was no contact with the other vehicle then technically the other vehicle wasn't involved in the accident at all.

Originally Posted by Red Herring

Cobblers, there doesn't have to be an impact for the other vehicle to be involved or the driver to be held at fault. Proving it however is another matter. Are there any witnesses, did the other driver stop, did he get any details?

i think you took this the wrong way, i didn't mean that the driver couldn't be at fault (cos he probably was with the sorry mate i didn't see you scenario) but as there was no actual collision then surely the drivers insurance isn't going to pay out for damage to someone elses vehicle when it wasn't caused by their insured vehicle. insurance companies are not usually very forthcoming when paying out and will try everything they can to avoid paying.

They decided not to take it to insurance mainly because my friend doesnt want to take chances with insurance as its still hes first year riding. The guy is happy to pay half the damage.

Now my friend is upset that he didnt collide with the car because he could have then made a claim probably an accident claim too and got a load of cash, Im telling him hes lucky to still be alive! What do you guys think?

Wanting to injure himself to get compensation doesnt sound like someone anyone would want on the road. But hope he didnt mean it like that hope he gets it sorted and learns from it.

taking the other guys offer seems like the best idea to me.

Originally Posted by Red Herring

Cobblers, there doesn't have to be an impact for the other vehicle to be involved or the driver to be held at fault. Proving it however is another matter. Are there any witnesses, did the other driver stop, did he get any details?

Completely agree, same happened to me, I thought it was my fault so let the driver go, a few years later I asked an insurance company and they said he was at fault because he broke the law and there doesn't need to be an impact to be your fault, there's a couple of motorcycle solicitors on here if they haven;t already answered, sorry not read the whole post.

Originally Posted by darylB

probably no more than the driver has offered, and he would probably lose his no claims bonus, no independant witnesses, if the other driver has offered to pay 50% then I think he should take it and perhaps get some advanced training so he wouldn't find himself in the same position again.

Daryl.

Yes get him to call IAM or ROSPA.