Just been rear ended, what do I do?

For future reference try and get a full name and address and ask to see some ID, you could also ask the witness to have a look at it too.

I had my first ever accident about 6 monthes ago in a fairly new to me transit van. I scraped a Merc Chelsea Tractors bumper. I explained I'd only been on my own van insurance for a few months and showed all my ID. The lady I hit was fine with me going outside of insurance and got a quote done. In the end I paid £120 to get the bumper re-sprayed (even though she was quoted £160- she was willing to pay the rest because it was already a little damaged!). I put the money in her account, asked for a written explanation that it was all dealt with and everyone was a happy bunny. I suppose I was lucky and she was lucky that we are both trustworthy.

[Fallout]

Originally Posted by Spank86

Shame you didn't fall over really, just in case they try to write your scooter off and short change you you could have got some injury compo.

Naughty. This is why we all pay so much for insurance these days! Suddenly everyone has whiplash and a bad back after an accident.

Perhaps people wouldn't need to fake injuries if insurance companies actually gave you enough money to replace what was broken?

Apart from your skyline I've never heard of a vehicle being written off and the money coming even close to what you could buy another one for.

[TamSV]

Originally Posted by Spank86

Perhaps people wouldn't need to fake injuries if insurance companies actually gave you enough money to replace what was broken?

B*ll*cks

Ok, perhaps most people would but you can't deny that most insurance companies will screw you on the true.cost of your car. Which is.even worse when it's someone else's insurance co. Hardly creates an atmosphere where people are inclined to he honest, does it?

[yorkie_chris]

On the other side of the insurance/no insurance debate maybe there's a bit of karma here.

If you had f***ed up maybe you'd do your best to help out of your own pocket to avoid getting bum raped next year.

Give them a chance to sort it outside insurance, it's only a scooter!!

Leaving aside the fact that your policy will be hurt next year despite it being a 100% non-fault claim.

Originally Posted by Spank86

Perhaps people wouldn't need to fake injuries if insurance companies actually gave you enough money to replace what was broken?

Apart from your skyline I've never heard of a vehicle being written off and the money coming even close to what you could buy another one for.

Well sir, the £2000 dent in my bank balance from my van insurance says you're a c*nt!

How many people on here get bikes "written off" and buy the salvage back for a pittance and do really well out of it?!

[Jayneflakes]

When my bike was hit by my friend, the damage done was all cosmetic, we had planned to stay away from the insurance so she did not get hit by it going up, but the cost of repairing the bike back to the standard of how it was put her off and she went through her insurance. Even a little bit of damage can be expensive to fix, also if you have been hit from behind, wheels and frame could be seriously damaged too, so check it all thoroughly or get a trusted person to check it.

However, if you do go down the insurance route (which is why we have it in the first place, to protect you and your vehicle from costs that are not your fault) and your insurance company use a firm called Plantec, thoroughly check the work upon the bikes return, they do cut corners. When mine came back, I was contacted by my insurance company in regards to my no claims. I had a long chat with them and found that I was listed as having a non fault accident. They do not always make it as clear as they could that this may not affect your no claims. After a couple of chats, mine was all fine and my insurance did go down when I renewed with the same company this year.

After all of this though, I hope that you are OK and not too shaken up.

Originally Posted by yorkie_chris

Well sir, the £2000 dent in my bank balance from my van insurance says you're a c*nt!

How many people on here get bikes "written off" and buy the salvage back for a pittance and do really well out of it?!

as it happens I've never had a vehicle written off by the insurance or had an injury, come close though and they've always quoted a pittance as their idea of the value for a replacement and everyone I know that's had it done has received next to nothing (apart from fallout the jammy beggar).

What would you do if you were sat with a letter saying a vehicle that couldn't be replaced for less than £2000 was only worth £1000?

Now if the accident was my fault that would be one thing but if you're claiming off another driver that's just a bad joke.

[yorkie_chris]

I would tell them to get bent, send some example vehicles for sale of similar value and what they cost etc. and go from there. Too many people think the opposing insurance are on your side and don't argue with the official looking letters.


But, in context, we're on about a scooter. They are essentially scrap anyway and if it's a young driver borrowing the money to buy a brand new one would be cheaper than the next years insurance effects.

If the roles were reversed you'd all have very different attitudes to it. If the OP here had said "oh dearie me I've just hit someone, I've offered to settle it outside insurance as I really can't afford any more increase" you'd all be telling a different tale.

I'd tell him to try it but not to expect them to go for it.

After all it's much better for the damager than the damagee.

As for sending example vehicles, good luck with that unless you're prepared to take the company to a small claims court. Mate of mine spent months tilting at that windmill with no luck.

You MIGHT get lucky and get a decent insurance company but it's not likely IMHO.