car done a U-turn in front of me

IIRC the excess thing, you will have to pay for it and then claim it back from his insurance company. or your insurers will on your behalf. Also I think some companies let you have a few non fault claims for fre so to speak. Some dont as its Claim bonus not Blame bonus. Check with your insurers where you stand on that part.

[Drew Carey]

Sorry to hear bout this matey. Not good. Hope you get it sorted in a freindly way.

Alright m8. Sorry to hear about your mishap

If I understand this right you were passing a line of stationary/slow moving traffic on a 2-way/2-lane carriageway? If so then filtering doesnt come into it!

Sounds as though you were entitled to overtake and were doing it safely (moving over when traffic approached in opposite direction/at safe speed etc). The car driver should have checked his mirrors and signalled before he changed lanes/performed u-turn - he obviously didnt check his morrors otherwise he would have seen you.

Sounds as though you were driving in accordance with the Highway Code (assuming broken white line), but the car driver wasnt, so you should be in the clear

Get the bike looked at by a dealer/repairer to find out whats damaged and get them to prepare an estimate so you know what costs are involved.

Find out who the other guys Insurers are, they will need to see the repair estimate before they can authorise repairs. If the forks are damaged then they will probably need to inspect the bike, if its just the bracket the costs shouldnt be big and they may just send you a cheque to get repairs done. You will need to pester them all the time if you want this sorting quick!

Also, you only have to pay the excess if you claim on your own insurance. You will only be able to claim on your own insurance if you are Comp and if the damage exceeds your excess.

Hope you get this sorted quick, youve only got three weeks

[glade]

Pretty much same thing happened to me, except i went down the side of the car, then ate tarmac. Snapped brake lever and footpeg and nailed the fairing, R&G, exhaust.

Fortunately there was a copper in the car immediately in front who got out and dealt with it.

Went 100% in my favour and the driver's insurance paid for everything. I've just got my bike back 2 months later - better condition than before i crashed.

I think you have to see what you can learn from it... go slower? Go further onto the other side of the road to give yourself a better safety margin? Wear a high-viz (no good if they don't look)?

The thing is the random nature, its really hard to predict someone else's snap decision and sudden action, which amounts to an apparently random action.

ETA: Hope you get it sorted quickly... I'd never experienced stress before and now have a new appreciation of what anxiety means!

[mister c]

Had the same happen to me about 15 years ago. It got classed as a 50/50, but the insurance paid out

Originally Posted by Zombie Jesus

I didn't recall that rule by memory. Just my opinion but someone overtaking a camel, a vehicle on tow going up a hill, or overtake a slowly moving <5mph vehicle when the next vehicle in front is stationary would all be permissible under a common sense interpretation of the highway code.

I know you've said it's just your opinion so I'm not arguing per se, but this is one occasion where we have to look at the exact wording, etc, as that's what a case would be based on in court.

I actually also interpret it as ooger does, however there is one thing that's not been mentioned yet and I also don't know the answer to.

The highway code says you may pass if necessary and as yet it hasn't been determined if filtering is necessary (or at least, I have not seen such a judgement in a court). If it was a broken down car, I would be confident that would be judged necessary, however a line of cars that are in working order and simply queuing? Harder to argue IMO, but again I have not seen any case law/judgements.

In any case I haven't seen Hovis confirm if it was a broken line or not, and it doesn't sound like there is much of an issue at this point luckily.

soz to here about this mate.Give me a bell and we can chat.Just been through this with my van.
Rick

Originally Posted by gid

soz to here about this mate.Give me a bell and we can chat.Just been through this with my van.
Rick

cheers



been thinking about this in work, im a tad p1$$ed off with it, but there was nothing i could have done excapt maybe not filter.

but it turns out that there was a big accident on the road after the one i was on (2 people died) and this road was closed which caused the que, its about 2 miles long and i filtered all the way from the start, to about 100 yards from the end, where the police had blocked the roundabout off

[the_lone_wolf]

amazed this thread has got this far and nobody has mentioned Davis vs. Schrogin - situation is identical to your hovis and the car driver was found to be 100% at fault, if his insurers try anything funny point them in the direction of that case and say you'll see them in court...

Originally Posted by the_lone_wolf

amazed this thread has got this far and nobody has mentioned Davis vs. Schrogin - situation is identical to your hovis and the car driver was found to be 100% at fault, if his insurers try anything funny point them in the direction of that case and say you'll see them in court...

I'm not sure if I'm remembering the correct case, but in addition wasn't the biker going a tad on the fast side? It was decided that it wasn't a factor though. Just makes a good line for the court "even when he was going this much faster, it has still been proven to be the fault of the vehicle pulling out".