Major Off

Hello everyone havent posted i dont think since i traded in my SV for a wee GSXR.
Now my wee GSXR is probably a pile of scrap when a car driver coming towards me decided to go through me to get to a parking space!
Now i have been dealing with the insurance and police etc but by the looks of it, it may take a long time. does anyone have any idea how long these things take to resolve? the police have charged the other person with careless driving and the blame is all his. Im fairly lucky just loads of brusies and a sore wrist and shoulder but my kit is kinda written off helmet, gloves, trousers etc (could have been worse and thats what we buy good kit for, right?) and my major worry is that if the bike is written off i will end up getting buttons for it? I kept it well maintained and polished cleaned etc but all that counts for nothing with the insurance? still not fair.

sorry to hear this. if you have full accidental cover on your contents insurance you may be able to claim for your leathers and helmet on that.

every case is different. if he is not disputing anything should be quicker but not quick. solicitors etc are renowned for not doing anything fast.

at least you are relatively unhurt. good luck with it all and keep us updated

[Luckypants]

Second what KiiKat says about claiming off your contents insurance for your kit, I have successfully done that this week. HOWEVER, since this is a non-fault accident the car drivers insurance should pay for your ruined kit, not any insurance you hold.

I too was also worried about the value I would have put on my bike. They assessor rang me yesterday and asked how much I thought it was worth. I went top end retail price and he agreed! He could see it was a good bike, well maintained etc and fully worth full retail for preplacement.

So stick to your guns, things might not be too bad.

Originally Posted by DVader

I kept it well maintained and polished cleaned etc but all that counts for nothing with the insurance?

Well, not nothing, you never get more than bottom book price but if the adjustor can see it was a pile of ****e before the crash then they'll certainly offer less...

As for the kit, it's just a question of what your various policies cover. And don't forget whiplash and mental anguish while you're at it.

[Shellywoozle]

Sorry to hear about that. It's good the Rozza's are doing him for due care, holds up well for you re insurance, and in the future when you get renewals.

I would certainly tell your insurance the cost of a replacement kit and get them to claim it back off his insurance, as already been said above.

Go to the doctors with some injury and claim compensation, all you need is a police and doctors report and you will have a police one already done, just ask them for the job number and bob's ya uncle.

Hope the insurance goes through quickly - main thing is you werent too hurt

[timwilky]

It is quite simple, You should get the pre-accidental value.

The assessor in making his valuation, will look at the general condition of the bike, for evidence of pre-accidental damage. etc. Just like your local stealer would when you would look to do a trade in.

Yes you will get more than bottom book, if it warrants it. For better than average condition, for low miles etc.

The assessor is not out to rob you, simply to assess the costs to repair, the value of the bike. They are not in the business of costs reduction but to ensure that their principle makes a settlement that is accurate and fair.

Normally the person feeling the brunt of an assessor is the repairer. As they would negotiate the scope of repair and time/materials to perform said repair. Where the vehicle is beyond economical repair, it has a value. This value should be what you would expect to pay for an identical vehicle. If you are unhappy with the assessors valuation, tell them why, but present evidence. adverts for identical bikes etc.

If it's 100% his fault, then you shouldn't have to claim anything on your insurance. You should get the value of everything you have lost (bike, gear, lid - they should take the new price for your lid), and compensation for injuries, lost earnings etc from his ins co. You shouldn't lose any no claims bonus either. That's what third party ins is for!

Have they sorted you out with a hire bike or an interim payment for the bike? You are entitled to one. Basically he owes you for ANY inconvinience you suffer.

As for timings: Well it can take ages. A year, two...

Have you been appointed a solicitor by your ins co?


Good luck getting it sorted!

Sorry to hear whats happened to you, its a pi55er. Hope you get stuff sorted soon.

Originally Posted by thor

If it's 100% his fault, then you shouldn't have to claim anything on your insurance. You should get the value of everything you have lost (bike, gear, lid - they should take the new price for your lid), and compensation for injuries, lost earnings etc from his ins co. You shouldn't lose any no claims bonus either. That's what third party ins is for!

Have they sorted you out with a hire bike or an interim payment for the bike? You are entitled to one. Basically he owes you for ANY inconvinience you suffer.

As for timings: Well it can take ages. A year, two...

Have you been appointed a solicitor by your ins co?


Good luck getting it sorted!

Bloody brilliant it can take a year or 2 to settle claims!!! I am in the middle of sorting mine out just now!

Ok got an offer from the insurance for my bike (my bike has been written off), now its actually ok only a couple of hundred short of what i thought it was worth???? but my dealer etc mates all say that i shouldnt accept the first offer? what do you think? should i reject and hold out for more? anyone any thoughts? been in this situation?

Cheers.

Show them adverts for machines of similar age and mileage that match your idea of pre damage value; and explain why you feel that the offer is lower than it should be. They may adjust the offer; I've never done it myself but a colleague at work did with the result that they made an improved offer that was part way between the first offer and what he was asking for. It won't cost you anything to try and you may squeeze a little more out of them. Good Luck.