Help needed: I have been knocked off TPFT only!

Hi

Right so I was travelling along and a cyclist emerged and shot across in front of me and although I tried I went down. We are both ok, but the bike has scraches and gouges along one side along with damage to the exhaust and a snapped mirror.

So I get all the details and go home. Get my insurance docs out and I am only third party fire and theft(thought I was fully comp). So what do I do? She said she has no insurance and I dont want to lose my no claims bonus. I fear I am going ot get screwed here and loss out.

What should I do? Call her and ask if she wants to deal with it ourselves? Phone my insurance company (adrian flux) as on their website they say they can help with Angel Assist claim company?

Help please!!

[SoulKiss]

Originally Posted by Son of a beesting

Hi

Right so I was travelling along and a cyclist emerged and shot across in front of me and although I tried I went down. We are both ok, but the bike has scraches and gouges along one side along with damage to the exhaust and a snapped mirror.

So I get all the details and go home. Get my insurance docs out and I am only third party fire and theft(thought I was fully comp). So what do I do? She said she has no insurance and I dont want to lose my no claims bonus. I fear I am going ot get screwed here and loss out.

What should I do? Call her and ask if she wants to deal with it ourselves? Phone my insurance company (adrian flux) as on their website they say they can help with Angel Assist claim company?

Help please!!

Your only option is to go after her, insurance or not, and report it to the police.

I figure the cyclist that swerved out on me is going to cost me in the region of £2k in kit, damage and no-claims.

Nail her to the wall.

Originally Posted by SoulKiss

Your only option is to go after her, insurance or not, and report it to the police.

Police aren't going to decide liability.

[Stu]

Originally Posted by Son of a beesting

She said she has no insurance

She might find some insurance (Public liability either from home insurance or some bank freebie) once you issue proceedings against her.
Not your problem if she has no insurance other than recoverability of any award by court.
Have you got a good case against her? Witnesses?
Might be best to see if she will offer you something to avoid court, just don't let her fob you off by saying she has no insurance.

[the_lone_wolf]

House insurance almost certainly has some form of liability cover

Even if she doesn't have insurance there's nothing to stop you claiming a couple of grand directly from her to cover the costs of the accident she caused, the insurance is only a safety net should someone claim more than you're able/willing to pay

Good luck

[Stu]

Gosh TLW you've let youreself go.

And put some clothes on when you're talking to us

I hope this doesn't sound too harsh but you certainly aren't going to loose any no claims bonus unless of course she makes a claim against you.

You aren't going to loose any no claims bonus because of a claim you make because you can't make a claim against your insurance as you are TPFT, merely informing your insurance company of an incident doesn't make you loose your no claims bonus since you aren't making a claim.

To be honest if there is no chance of claiming off of her I wouldn't even tell the insurance company, it'll only give them an excuse to charge you more (the tree huggers will be along shortly to tell me I'm a bad person ).

So long as you understand you are legally required to inform your insurance company of ANY incident and you understand the consequences of not telling them and them finding out the truth, you are free to make your own choice.

[SoulKiss]

Originally Posted by Nelson

Police aren't going to decide liability.

No, but it gets it all recorded in an official manner

what are her thoughts of what happened?
she maybe believe you signaled to let her across them try to blame you, yes they claim that and then it maybe her fault.
find a way to politely say its your ****ing fault and you owe me the bike damages and helmet/leathers, if you dont see you in court, do you have legal cover? call your insurance if you do then just await your check to arrive.
if your insurance has £15 a year extra helmet and leathers cover from a seperate insurer that doesnt effect your ncb then claim on that and get your £1000+ worth of helmets and leathers.
Hope thats some help

This might be bull but, I'm pretty certain the highway code states that signalling people to move out of a side turning or whatever is not allowed but this works both ways so you are not allowed to ACT on someone signalling you to do something.

Basically even if you had video evidence of someone signalling you to pull out and you do and have an accident as a consequence you couldn't use it as an arguement because the onus is ALWAYS on you to make sure it is safe to do anything.