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Re: Smash bang !!!! and a small result

Quote:

Originally Posted by 454697819 (Post 1672368)

ur right it doesnt effect the drivers insurance.. but the drivers insurance.. do not have to pay out to an uninsured person howsoever caused (at the last time of checking)

i know someone who has worked in a UK claims dept for some time and knows his stuff - i've asked him to clarify and will get back when he does, as any relevant information on the net is swamped by the vast majority of accidents caused by the uninsured party

Re: Smash bang !!!! and a small result

Did you pay any money for insurance on the scooter? IIRC, if you in good faith paid money and assumed it went through, you won't be considered to be without insurance.

That's not to say they would cover you if you had a smash which was your fault, but that's an insurance issue. As this wasn't your fault, you only need to consider the legal aspects of being covered by third party insurance - which if you've paid money you should be.

Re: Smash bang !!!! and a small result

Quote:

Originally Posted by the_lone_wolf (Post 1672396)

I will be interested to hear what he has to say,

I am speaking from what I read in my motorcycle direct policy booklet some time ago. Always happy to be corrected though.. ;)

Re: Smash bang !!!! and a small result

Question---Did you have the legal minimum insurance(third party)in force at the time of the incident?
If so you are fine to persue your losses.
If not settle quickly privately and learn from it.

Re: Smash bang !!!! and a small result

Right first up thanks for your help guys.. I just spoken to my insurance and they confirmed that my insurance did not go through . Its all on my head.

I know its illegal to drive without insurance and I would never have driven the scooter on the road if i knew the insurance had not gone through. As i stated in a panic i got insurance when i realised my error.

Although the guy has admitted responsibility and i got 3 witness to say he was in the wrong, I feel that it could all be turned around on me and i could end up paying for the damage to his car...!!!!!

There where no police called at the accident or ambulance so it was not reported, I have not contacted my insurance as i am not to sure what to do or what they will say.

I went out to check the scooter this morning and i thinks its had it. I only had it about 8 days and it cost me £650

Re: Smash bang !!!! and a small result

Quote:

Originally Posted by 454697819 (Post 1672448)

Always happy to be corrected though.. ;)

got a reply:

Quote:

Originally Posted by headster (Post 260766)

Quote:

Originally Posted by the_lone_wolf (Post 260723)

pop quiz hot shot...

two parties, Driver 1 is insured fully comp, Driver 2 is uninsured

Driver 1 causes and accident involving both drivers and liability isn't in question

can Driver 2 claim from Driver 1's insurance to cover the damage to his vehicle

i think yes, as my understanding is that the 3rd party cover of a policy is valid under all circumstances (ie: my car ins is FC, if i'm drunk at the wheel and hit someone else my insurers can refuse my damages claim but cannot refues the 3rd pary claim from the guy i hit)

my friend thinks no, because Driver 2 shouldn't have been on the road

Regardless to Driver 2's ability/legallity to being on the road, your insurnace would still have to pay out for any damage to their vehicle.

No way to even argue that one out. If the police then wanted to take action against driver 2 then they can do that. but its nothing to do with the insurance.

original thread here:

http://www.ktmforum.co.uk/showthread.php?p=260773

Re: Smash bang !!!! and a small result

Quote:

Originally Posted by the_lone_wolf (Post 1672484)

got a reply:

original thread here:

http://www.ktmforum.co.uk/showthread.php?p=260773

fair enough...

noted for future use..

Re: Smash bang !!!! and a small result

at the end of the day it works like this...

how much would landing it on your head cost now.. more than £650?

take the hit.. phone the guy.. explain that you dont wish to proceed with a claim and tell him thats the last you will be hearing...?

just a thought?

depends how the guy was though... if you explain will he want to sue you?

Re: Smash bang !!!! and a small result

Log it with your insurer, and tell them you've been in a crash but don't know if you're going to settle privately yet - that's what I've done before.

Re: Smash bang !!!! and a small result

Dont mean to state the obvious - but check your insurance policy to see if you can ride any bike with third party insurance. My policy allows this so you might be okay. Suffice to say check your terms and conditions as some policies state that you can only ride other people's bikes with this cover.