Just had an off - Advice needed

[Luckypants]

Originally Posted by Bender

I'm weighing up buying the bike back against letting them have it and get something newer. Of course it all depends on what they offer me as I've got a £400 excess and I've had a lot of work done on the bike.

If it is her fault then you should not have to pay the excess. The excess applies to claims made on your insurance policy, surely you will be claiming against her insurance? (that claim being handled by your insurance on your behalf.)

Your excess will be taken until the cliam is proved non-fault, uyou can then use your legal cover to re-claim this and and damaged kit, injuries etc,
Need any more info pm me

Originally Posted by Luckypants

If it is her fault then you should not have to pay the excess. The excess applies to claims made on your insurance policy, surely you will be claiming against her insurance? (that claim being handled by your insurance on your behalf.)

Indeed, but as she hasn't admitted liability yet I've been told that technically it's a claim on my policy and then the costs are recouped by my insurers from her insurance company if I'm found 100% not at fault. I think that this is how claims usually work, but I'm happy to be corrected on this

Originally Posted by Paws

Your excess will be taken until the cliam is proved non-fault, uyou can then use your legal cover to re-claim this and and damaged kit, injuries etc,
Need any more info pm me

Cheers for the PM Paws

The bugger is that this could drag on for 3 months and I'd be out of pocket until the whole thing is sorted. Hopefully being fully comp will pay for itself on this occasion.

Originally Posted by Bender

Indeed, but as she hasn't admitted liability yet I've been told that technically it's a claim on my policy and then the costs are recouped by my insurers from her insurance company if I'm found 100% not at fault. I think that this is how claims usually work, but I'm happy to be corrected on this

See above hun (but yes thats right, you lose your ncb-unless its protected and you pay out the excess-all that will be re-instated if they claim is proved to be non-fault)-be warned it can take awhile (years even), im lucky mine took a few months but my pa claim is still pending

[Luckypants]

Originally Posted by Bender

Yep, she admitted it was her fault at the scene and said sorry on more than one occasion.

Originally Posted by Bender

Indeed, but as she hasn't admitted liability yet I've been told that technically it's a claim on my policy and then the costs are recouped by my insurers from her insurance company if I'm found 100% not at fault. I think that this is how claims usually work, but I'm happy to be corrected on this

Indeed, but the first quote was what I was going on.

I hope it all works out for you mate and that it don't take too long.

Just of the list of broken bits from the garage:

Screen
Top fairing
Fairing bracket
R/H mirror
F/brake lever
R/H/F indicator
R/H fairing
Belly pan
Gear lever
R&G crash bung
Exhaust silencer
R/H seat cowl
R/H foot rest
L/H/F indicator
Clutch lever
Check forks
Check front wheel and discs
Work est £400 + VAT + P/P
All parts at Manufactures List Price.


Definatley a write-off then

owwww

[Stingo]

See hear for more info on this...don't settle for 50/50 if you are certain that you are in the right...

http://forums.sv650.org/showthread.p...er#post1737364

I'm searching for some other stuff - if I find it I'll post the link.

[Stingo]

See here for more info on this...don't settle for 50/50 if you are certain that you are in the right...

http://forums.sv650.org/showthread.p...er#post1737364

I'm searching for some other stuff - if I find it I'll post the link.