Crashed!

[ChrisCurvyS]

Originally Posted by zippie01

As said before, see what they want to buy back the bike, may only be £100 which you easily recoup in selling off the parts that are salvageable !
or keep as spares for your new SV

If it was that cheap I couldn't say no!
What I meant was - as it's looking like he wasn't insured, should I expect more or less hassle if it ends up being the Motor Insurers Bureau paying out?
Btw the traffic officer dealing with it seems like a good guy (says driver might be done for driving without due care) and is a keen biker himself. Bluepete perhaps?!

[jambo]

If its a company van claim from the company who must have liability insurance if they have allowed one of their drivers to be uninsured this should not have to be via the MIB as I understand it. I may well be wrong though

Jambo

Sent without a real keyboard

[ChrisCurvyS]

Originally Posted by jambo

If its a company van claim from the company who must have liability insurance if they have allowed one of their drivers to be uninsured this should not have to be via the MIB as I understand it. I may well be wrong though

Jambo

Sent without a real keyboard

I also thought that while they won't pay for their client's losses, insurers generally paid out to third parties in cases like this (apparently dvla voided his license as he failed to send it to them to take six points for a previous conviction, in turn voiding the cover).
However, the officer involved mentioned the mib so who knows. Looks like the lad will lose his job either way, (his firm works all over the country), which I've got mixed feelings about.

[Tomor]

If you are still looking for legal advice, try white dalton aswell. Very good at what they do, and are all bikers.

[Tomor]

Insurers will pay out and chase the guy for the money afaik. Even if it makes him bankrupt.

[Red Herring]

The wording on insurance policies is usually "providing the driver holds or has held a licence and is not disqualified". In the circumstances you describe, ie: a revoked licence, they will normally cover even though he may well be prosecuted for driving otherwise than in accordance with a licence. I wouldn't worry unduly until you hear from them.

[ChrisCurvyS]

That's good to know - thanks both. Spoke to the officer at length - sound chap - and he said in his experience it can go either way - some pay out for third parties, some stick to the wording of their policies and say it's not their problem.
Suppose either way the industry pays. Know of white Dalton - May try them if they come recommended.

[Kenzie]

When my missus had someone pull out in front of her a few years ago the driver was uninsured. However they have a fund for cases like that. I did manage to speak to them and the paid out extra for loss of transport to work, ie not having her bike while it was in for repairs. Also a new helmet and jacket.

Just be prepared for the value of your bike to be less than you might expect and to haggle / prove it's value.

When my 07 pointy (see pic) was written off my someone driving into me in 2012 the most I could get was £1800 for it, even with some tasty extras fitted.

I did however get paid for new gear without quibble. Difference in my case I guess was that even though the driver was Italian visiting the UK on business. It was a hire car so their insurance was robust.

The bizarre thing I found having been injured was being able to claim for mobility assistance - I couldn't cook clean or wash for myself so our lass had to do it, so they classed that as having to have help and the only reason I didn't pay for help was that I am lucky enough to have a partner willing do to those things - doesn't detract from the fact that someone had to be there to help me.

Lots of stuff to think about but without speaking to my insurers at length then I would have been in the dark.

Hope it all gets sorted for you!

[Littlepeahead]

When Mr LPH had swollen knee and mangled hand after his off the legal team claimed for loss of earnings, he's a self employed bricklayer, she also asked if we wanted to claim because it would impair his ability to cook, clean, iron and do other chores. I nearly wet myself laughing asking her how his current injuries were going to stop him piercing 3 holes in the top of a ready meal which was the only cooking he did and any excuse not to vacuum.