RTA on the bike today - Insurance help
Discussion
Only asking because im an idiot.
I believe this to be a non-fault claim. I'm on my bike in heavy ish traffic. Lane 3 of the motorway and guy in lane 2 sees traffic is moving quicker in L3. makes a quick swap and takes me out.
Once i got myself and bike to the hard shoulder and stopped swearing in my helmet the guy was pretty descent about it all.
Admitted fault (rightly so) and we even had a witness pull up and give us her details.
Now... do i go through my insurance and let them handle it all, or do i go direct to the 3rd party's insurance?
I am full comp and have legal cover, if that makes any difference.
Repair wise, the bike will need to be repaired by BMW or a BMW approved garage. Its on PCP.
I believe this to be a non-fault claim. I'm on my bike in heavy ish traffic. Lane 3 of the motorway and guy in lane 2 sees traffic is moving quicker in L3. makes a quick swap and takes me out.
Once i got myself and bike to the hard shoulder and stopped swearing in my helmet the guy was pretty descent about it all.
Admitted fault (rightly so) and we even had a witness pull up and give us her details.
Now... do i go through my insurance and let them handle it all, or do i go direct to the 3rd party's insurance?
I am full comp and have legal cover, if that makes any difference.
Repair wise, the bike will need to be repaired by BMW or a BMW approved garage. Its on PCP.
Prizam said:
the guy was pretty descent about it all.
Admitted fault (rightly so) and we even had a witness pull up and give us her details.
Now... do i go through my insurance and let them handle it all, or do i go direct to the 3rd party's insurance?
Direct to third party. You've got more leverage, since you have no contract with them - so they can't even try it on with "Ah, but you agreed to use our authorised repairer" or any similar rubbish. It's also far less likely to end up with them rolling over at the first sign of any change-of-mind from the other muppet.Admitted fault (rightly so) and we even had a witness pull up and give us her details.
Now... do i go through my insurance and let them handle it all, or do i go direct to the 3rd party's insurance?
If fault has been accepted by the other side then I'd go directly to his insurer, as it avoids paying an excess and you can often pick your own garage for the repairs.
If he hadn't' admitted fault (moot) then I'd use my own insurance
It's that simple IMO and that doesn't take insurance experience to understand.
If he hadn't' admitted fault (moot) then I'd use my own insurance
It's that simple IMO and that doesn't take insurance experience to understand.
Prizam said:
Its just starting to sink in just how much of a ball ache all of this is.
Thankfully my balls don't atchully ache, just my knee. And i didn't eat tarmac, and the other guy seems to be playing ball.
It's not a ballache if you do it right. Speak to his insurer, they'll give you a hire bike or car if you want it for free and take your np bike away and fix it. Thankfully my balls don't atchully ache, just my knee. And i didn't eat tarmac, and the other guy seems to be playing ball.
LoonR1 said:
If fault has been accepted by the other side then I'd go directly to his insurer, as it avoids paying an excess and you can often pick your own garage for the repairs.
The other advantage of going direct to his insurers is that your no claims bonus won't be affected, even temporarily. If you make a claim on your own policy it will generally be reduced when you make the claim, then restored when your insurer finishes recovering it's costs from his insurer. That process can take a while though and if your renewal is due in the meantime it can make life more complicated than it needs to be.I'd go directly to his insurance company too. They will have a team specifically setup to provide you with the maximum assistance and the minimum hassle. They won't want you to go to an accident management company and get a bike on credit hire, they will offer you all of that in house.
Direct to his insurer unless it's going to be a write off IMO.
If you've gone through yours that's fine, but they will almost certainly fob you off to an accident management company who will stick you with a hire vehicle.
If that happens, ensure they have insurance against the other insurer refusing to pay the hire cost...
If you've gone through yours that's fine, but they will almost certainly fob you off to an accident management company who will stick you with a hire vehicle.
If that happens, ensure they have insurance against the other insurer refusing to pay the hire cost...
akirk said:
check your insurance policy / details, many will require you to inform them of an accident anyway 
so the advice to go direct to their insurer without letting yours know could be in breach of your policy...
Pedantry. Not a breach, or at least not one that could or would ever be enforced. so the advice to go direct to their insurer without letting yours know could be in breach of your policy...Tell me what experience you have in the industry and what qualifications in your next response.
LoonR1 said:
akirk said:
check your insurance policy / details, many will require you to inform them of an accident anyway so the advice to go direct to their insurer without letting yours know could be in breach of your policy...
Pedantry. Not a breach, or at least not one that could or would ever be enforced. so the advice to go direct to their insurer without letting yours know could be in breach of your policy...Tell me what experience you have in the industry and what qualifications in your next response.
the odd bit of working in one of the major insurance companies
also trained as a teacher, so quite good on pedantry
what is your skill / experience / qualification to decide whether something is pedantry ?!
akirk said:
LoonR1 said:
akirk said:
check your insurance policy / details, many will require you to inform them of an accident anyway so the advice to go direct to their insurer without letting yours know could be in breach of your policy...
Pedantry. Not a breach, or at least not one that could or would ever be enforced. so the advice to go direct to their insurer without letting yours know could be in breach of your policy...Tell me what experience you have in the industry and what qualifications in your next response.
the odd bit of working in one of the major insurance companies
also trained as a teacher, so quite good on pedantry
what is your skill / experience / qualification to decide whether something is pedantry ?!
It's pedantry, because you're overly concerned with minor rules. My skill / experience / qualification to decide on pedantry, is being an English speaker for over four decades, being reasonably well educated and knowing the definition of the word.
LoonR1 said:
The "odd bit" isn't sufficient for you to speak with authority on this. There is not a single policy that has been declared void due to you not informing your insurer of a claim for "info only" in that policy year.
It's pedantry, because you're overly concerned with minor rules. My skill / experience / qualification to decide on pedantry, is being an English speaker for over four decades, being reasonably well educated and knowing the definition of the word.
obviously not enough skill to read between the lines of what I am writing It's pedantry, because you're overly concerned with minor rules. My skill / experience / qualification to decide on pedantry, is being an English speaker for over four decades, being reasonably well educated and knowing the definition of the word.
anyway, my authority / knowledge is irrelevant, as is yours, despite your knowing every single policy claim ever
my suggestion was to read the policy - I suspect that will tell him what he needs to do - strangers on an internet forum have no authority at all
akirk said:
LoonR1 said:
The "odd bit" isn't sufficient for you to speak with authority on this. There is not a single policy that has been declared void due to you not informing your insurer of a claim for "info only" in that policy year.
It's pedantry, because you're overly concerned with minor rules. My skill / experience / qualification to decide on pedantry, is being an English speaker for over four decades, being reasonably well educated and knowing the definition of the word.
obviously not enough skill to read between the lines of what I am writing It's pedantry, because you're overly concerned with minor rules. My skill / experience / qualification to decide on pedantry, is being an English speaker for over four decades, being reasonably well educated and knowing the definition of the word.
anyway, my authority / knowledge is irrelevant, as is yours, despite your knowing every single policy claim ever
my suggestion was to read the policy - I suspect that will tell him what he needs to do - strangers on an internet forum have no authority at all
Prizam said:
Ohh crap. just told my insurance company.
You are obliged to tell your insurer, which you have done. You are not obliged to claim through your insurer, so you have the same choices as before. Could you give me some info for my own interest, basically so I'm less likely to have the same kind of crash: what position within lane 3 were you in? ie left/centre/right of lane 3?
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