SV650.org - SV650 & Gladius 650 Forum



Idle Banter For non SV and non bike related chat (and the odd bit of humour - but if any post isn't suitable it'll get deleted real quick).
There's also a "U" rating so please respect this. Newbies can also say "hello" here too.

Reply
 
Thread Tools
Old 28-01-11, 03:28 PM   #1
Smudge
Guest
 
Posts: n/a
Default Stiffed by my own insurance!!!

I was in an accident last April as some of you know. Liability was in depute and as far as I knew still ongoing, my solicitors advised me to write a 50/50 letter to the third party insurers even though I didn't accept fault.
anyway I phoned my insurers today and they have made a non-prejudiced payment to the third party unbeknown to me which my solicitor has now closed the case due to this payment.

What I want to know is how can this happen without going to court and without my will?
So the story know is I've got a broken back and a smashed up bike and no come back.
  Reply With Quote
Old 28-01-11, 04:29 PM   #2
Stu
Trinity
Mega Poster
 
Stu's Avatar
 
Join Date: Jun 2006
Location: Guildford
Posts: 8,027
Default Re: Stiffed by my own insurance!!!

I thought you were a Freeman and did not recognise the laws of this land?

If not, then your solicitor should not give up because of a payment without prejudice get another solicitor
Stu is offline   Reply With Quote
Old 28-01-11, 04:54 PM   #3
Jimmy2Feet
Guest
 
Posts: n/a
Default Re: Stiffed by my own insurance!!!

i agree, that is a load of tosh! speak to another solicitor indeed.
  Reply With Quote
Old 28-01-11, 05:21 PM   #4
Juju
Member
 
Join Date: Apr 2005
Posts: 176
Default Re: Stiffed by my own insurance!!!

I fhtey didn't write to you to tell you, then they are breeching their "Treating customer fairly" charter.

Why did they pay wop? Insurers will do that only when the policyholder is being difficult, has no real case but wont accept this, and or won't go to court to defend the matter.

As a claims person of 13 y or so experience, tell me the ins and outs and I'll try to translate what went on and what decisions were likely to have been made?

The very idea of a wop payment is that it is not prejudicial, so I doubt the solicitors will have closed the file on that basis. It seems more that no one on the evidence thinks you have much of a case for holding the third party at fault. If a solicitor even gets 20%, they get paid in full, and so commercially, the solicitors decision making process is different to the insurers. The insurers pay to prevent expensive court action, solicitors pursue matters, however unlikely, to make money. If both washed their hands of you, theres something to suggest neither fancied their chances at court.
__________________
Bodily injury claims handler on hand for free advice.
Juju is offline   Reply With Quote
Old 28-01-11, 05:31 PM   #5
Stu
Trinity
Mega Poster
 
Stu's Avatar
 
Join Date: Jun 2006
Location: Guildford
Posts: 8,027
Default Re: Stiffed by my own insurance!!!

Quote:
Originally Posted by Juju View Post
only when the policyholder is being difficult,.
Smudge? ROFLMAO
Stu is offline   Reply With Quote
Old 28-01-11, 08:43 PM   #6
andrewsmith
Member
Mega Poster
 
andrewsmith's Avatar
 
Join Date: Apr 2010
Location: Newcastle upon Tyne, Just south of salad dodging country
Posts: 7,750
Default Re: Stiffed by my own insurance!!!

Get another solicitor.

They should ask your consent to settle
__________________
RIP Reeder 20/07/1988 - 21/03/2012. Always missed squire!!!

Every year we meet old friends, gain some new ones, lose old ones and you always remember them all.
“Live as if you were to die tomorrow. Learn as if you were to live forever.” Mahatma Gandhi
andrewsmith is offline   Reply With Quote
Old 28-01-11, 09:13 PM   #7
Smudge
Guest
 
Posts: n/a
Default Re: Stiffed by my own insurance!!!

Quote:
Originally Posted by Juju View Post
I fhtey didn't write to you to tell you, then they are breeching their "Treating customer fairly" charter.

Why did they pay wop? Insurers will do that only when the policyholder is being difficult, has no real case but wont accept this, and or won't go to court to defend the matter.

As a claims person of 13 y or so experience, tell me the ins and outs and I'll try to translate what went on and what decisions were likely to have been made?

The very idea of a wop payment is that it is not prejudicial, so I doubt the solicitors will have closed the file on that basis. It seems more that no one on the evidence thinks you have much of a case for holding the third party at fault. If a solicitor even gets 20%, they get paid in full, and so commercially, the solicitors decision making process is different to the insurers. The insurers pay to prevent expensive court action, solicitors pursue matters, however unlikely, to make money. If both washed their hands of you, theres something to suggest neither fancied their chances at court.
Ok the ins and outs were the guy infront slowed down and I indicated to overtake then whilst I was overtaking turned right without indication into my path so as it was a single track meaning two lanes as opposed to a dual carrigeway I have no leg to stand on but non of this was talked about and the case was abandoned without any of the people involved.

The first words of the third party was sorry I didn't see you mate!
followed by is there anything you want me to get rid of before the police turn up.

EDIT: I understand that I was the one overtaking but is it not requirement to signal?

Last edited by Smudge; 28-01-11 at 09:15 PM.
  Reply With Quote
Old 28-01-11, 09:44 PM   #8
darylB
Guest
 
Posts: n/a
Default Re: Stiffed by my own insurance!!!

To be honest and a little bit brutal from what you have just written I would say you were at fault for the accident which is why they settled. There was obviously a turn right (which was probably signposted) so any overtaking there would be dangerous. Unfortunately the onus was on you to also slow down and see what the driver in front was going to do, not to overtake, wether he signalled or not. In the IAM training (I'm a senior observer) anyone overtaking by a right turn would be told it was unacceptable and dangerous and if it happened on the test it would be an immediate fail. The fact the driver said what he did is heresay and not provable and he probably didn't say the same in his statement. I wish i could say different and that the solicitors were wrong but they're prob right in what they did but it's strange for the insurers not to keep you informed as to what they have done, perhaps if you pm Ed he may be able to advise you if it's worth pursueing.

Daryl
  Reply With Quote
Old 28-01-11, 09:48 PM   #9
Smudge
Guest
 
Posts: n/a
Default Re: Stiffed by my own insurance!!!

No not sign posted the turn right was a dirt track the guy was turning round because he couldn't find his way.

Edit: and I was following the guy for the last 1/4 mile I wouldn't of followed the guy for so long without overtaking earlier if he wasn't dithering looking at road signs, trust me i've been riding without incident for 18 years up until this year.
Further edit: famous last words!!!!!!!!!

Last edited by Smudge; 28-01-11 at 09:55 PM.
  Reply With Quote
Old 28-01-11, 09:58 PM   #10
Biker Biggles
Member
Mega Poster
 
Biker Biggles's Avatar
 
Join Date: Jan 2005
Location: Barnet Herts
Posts: 5,071
Default Re: Stiffed by my own insurance!!!

Get advice from a proper bike specialist lawyer like White Dalton or Bromilly Holcroft.There is no substitute for the correct advice.
__________________
On a clear day we stand there and look further than the ordinary eye can see.
Biker Biggles is offline   Reply With Quote
Reply


Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
travel insurance is worse than motorcycle insurance timwilky Idle Banter 6 11-02-10 09:20 AM
insurance in London officially sucks (yes its another insurance post) etuna Soho Massive 21 18-02-09 11:56 PM
Insurance Price Recommendation - Adelaide Insurance simesb Bikes - Talk & Issues 3 17-10-08 09:52 PM
Insurance - Not your normal insurance type post. G Bikes - Talk & Issues 8 07-04-08 07:08 PM
Motorbike insurance excess insurance Colby Bikes - Talk & Issues 2 22-05-07 04:37 PM


All times are GMT. The time now is 02:44 AM.


Powered by vBulletin® - Copyright ©2000 - 2025, Jelsoft Enterprises Ltd.