Insurance process ?

[d8mok]

Just after a bit of info regarding what to expect.

I was t boned from the side on Friday. Driver admitted he didn't see me , and it was his fault to police plus 3 witnesses all favouring me. Hopefully it will be pain free but let's see. The bike is now at my house. I've contacted my insurance who took details and said someone will contact me. When I tried to gain a bit of info they didn't seem to know or could say what's The process.

Bike is probably going to be a write off I'd expect. I've shown pictures to my dealer and he says that there is little chance of it being repaired. My exhaust system was declared on the insurance as a modification but if it gets written off I don't get the value back (£1400). They are probably the only bit of the bike that's un damaged. Will the accessor come to my house , look at the bike and then allow me time to remove them. Or will the bike be taken from me an ill never see them again? I know it's hard to say but didn't know if there was a normal practice.

[fgrfan]

That's terrible new mate. I hope it goes smoothly for you. First things first, just because he admitted liability it doesn't mean it'll go straight through. There's every chance he'll change his plea down the line which will just slow things down.

Regarding your question... from my understanding the accessor will come and note the damage. It'll either be his professional opinion whether the damage is severe enough to write off the bike or he'll arrange a quote and compare. I don't think he'll take the bike... I'm pretty sure that'll come later. Remember they might repair it!

[Rubin215]

Of course, if you had changed back to the standard exhaust the day before the crash the assessor will not know and, quite frankly, probably won't care anyway.

Swap them over this afternoon before they make a date for him to come.

[d8mok]

Thanks for comments guys....

I hope the driver does the right thing and admits fault still but I know things change. He is 83 years old and didn't look like he should of been driving to me. The good thing is that he hit me from the side as I was on a roundabout rather than me hitting him pulling out etc.

The exhaust is quite a big job to get off at about 4 hours and I'm not up to doing it at them moment as I can't stand. My dealer is happy to remove them but I'd need to pay for that but if it doesn't get written off I'd have to mess about putting them back.

[LoonR1]

fgrfan said:

That's terrible new mate. I hope it goes smoothly for you. First things first, just because he admitted liability it doesn't mean it'll go straight through. There's every chance he'll change his plea down the line which will just slow things down.

Regarding your question... from my understanding the accessor will come and note the damage. It'll either be his professional opinion whether the damage is severe enough to write off the bike or he'll arrange a quote and compare. I don't think he'll take the bike... I'm pretty sure that'll come later. Remember they might repair it!

With multiple witnesses and a police report? I doubt it very much.


The process is simple. Your insurance will assess your bike and it will be a write off. Swap your exhausts back to standard and keep the upgraded ones. There's nothing wrong with that at all.

You will then be made an offer for your bike. Unless you're insured with MCE it's likely to be pain free. You'll probably get offered a "free" hire bike too. If you are, then think carefully whether it's needed. If you're going to claim for injury then you'll need to explain how you could ride with it. Also if you have a car (or another vehicle) then there will be question over need.

If you want, you can use his insurer, if they want to play ball. That'll keep costs down for everyone, and make sure you get full value for your bike without any excess being deducted. If you have the bike on finance, then they get paid off first with any balance coming to you.

After that, you've got to recover and buy a new bike.

If you want to claim for injury, then do so, but only claim for real losses, not fictional stuff amd don't get into the Cognitive behavioural therapy scam.

You can also claim for your learners, helmet, gloves etc. these will be paid out by the other insurer (not yours), unless you have helmets and leather cover. The amount paid will be reduced to take account of wear and tear prior to the accident. This is a legal principle amd one that won't change.

Feel free to ask specific questions and I'll answer them. Although Rubin215 will probably call me a cock at some point.

[Rubin215]

LoonR1 said:

Feel free to ask specific questions and I'll answer them. Although Rubin215 will probably call me a cock at some point.

it just takes a few breadcrumbs scattered on the water and the fish are biting...

[LoonR1]

Rubin215 said:

LoonR1 said:

Feel free to ask specific questions and I'll answer them. Although Rubin215 will probably call me a cock at some point.

it just takes a few breadcrumbs scattered on the water and the fish are biting...

I really should add smileys, as I'm really not that bothered.

[d8mok]

LoonR1 said:

With multiple witnesses and a police report? I doubt it very much.


The process is simple. Your insurance will assess your bike and it will be a write off. Swap your exhausts back to standard and keep the upgraded ones. There's nothing wrong with that at all.

You will then be made an offer for your bike. Unless you're insured with MCE it's likely to be pain free. You'll probably get offered a "free" hire bike too. If you are, then think carefully whether it's needed. If you're going to claim for injury then you'll need to explain how you could ride with it. Also if you have a car (or another vehicle) then there will be question over need.

If you want, you can use his insurer, if they want to play ball. That'll keep costs down for everyone, and make sure you get full value for your bike without any excess being deducted. If you have the bike on finance, then they get paid off first with any balance coming to you.

After that, you've got to recover and buy a new bike.

If you want to claim for injury, then do so, but only claim for real losses, not fictional stuff amd don't get into the Cognitive behavioural therapy scam.

You can also claim for your learners, helmet, gloves etc. these will be paid out by the other insurer (not yours), unless you have helmets and leather cover. The amount paid will be reduced to take account of wear and tear prior to the accident. This is a legal principle amd one that won't change.

Feel free to ask specific questions and I'll answer them. Although Rubin215 will probably call me a cock at some point.

That's really helpful thanks. It's not MCE thank god but bikesure / Adrian flux. I ve read decent things about them so hopefully will all be ok. I don't want a courtesy bike at the moment as I can barely walk let alone ride a bike so I don't plan on asking for one. They have already asked about my clothing damage so it sounds like that will be sorted too.

Ive started the process to claim for injuries via their solicitor as I have legal cover. I've retained all the ambulance documents, hospital reports etc. I've also been advised to keep a record of the days off work I've had to have and how my injuries are each day. I want to get back to work asap as I'm commission based and if I'm honest I can't afford to be off work. I've had probably 5 days off sick in 10 years.

In terms of write off value or repair is there a rule of how much the repair comes to?

[Rubin215]

LoonR1 said:

Rubin215 said:

LoonR1 said:

Feel free to ask specific questions and I'll answer them. Although Rubin215 will probably call me a cock at some point.

it just takes a few breadcrumbs scattered on the water and the fish are biting...

I really should add smileys, as I'm really not that bothered.

[LoonR1]

d8mok said:

That's really helpful thanks. It's not MCE thank god but bikesure / Adrian flux. I ve read decent things about them so hopefully will all be ok. I don't want a courtesy bike at the moment as I can barely walk let alone ride a bike so I don't plan on asking for one. They have already asked about my clothing damage so it sounds like that will be sorted too.

Ive started the process to claim for injuries via their solicitor as I have legal cover. I've retained all the ambulance documents, hospital reports etc. I've also been advised to keep a record of the days off work I've had to have and how my injuries are each day. I want to get back to work asap as I'm commission based and if I'm honest I can't afford to be off work. I've had probably 5 days off sick in 10 years.

In terms of write off value or repair is there a rule of how much the repair comes to?

Do NOT get a hire bike if you're struggling to walk, you'll end up with the bill!

If the damage is c60% or more of the pre- accident value then it'll be written off. That is very, very easy on a bike, damage to a faired bike on one side will write it off, if it's over a year old.

[d8mok]

Bike was hit from near side and landed on offside so both sides damaged.

I've had a quick look and filled two sheets of paper on damage I can see. The rear wheel is unmarked but that's about it . The engine casing on the clutch side is cracked so it dropped its oil too.

[LoonR1]

d8mok said:

Bike was hit from near side and landed on offside so both sides damaged.

I've had a quick look and filled two sheets of paper on damage I can see. The rear wheel is unmarked but that's about it . The engine casing on the clutch side is cracked so it dropped its oil too.

It's a write off. Get your exhaust swapped back to standard. Please note that I used the correct version, rather than "swapped out to stock". Bloody Yanks.

How old is it? Try to avoid the temptation of buying it back and repairing it yourself unless you're a pretty good mechanic and have loads of spare time. You'll probably end up spending a fortune on a bike that's at best worth 15% less than an uncrashed (written off) one.

[d8mok]

The bike is 11 months old. 1199 abs panigale with sub 1500 miles.

Could I email a few pics across to you to see what you think? As maybe it sounds worse than it is. If you think it's gonna be written off I'll get my dealer to come take termi off.

[LoonR1]

d8mok said:

The bike is 11 months old. 1199 abs panigale with sub 1500 miles.

Could I email a few pics across to you to see what you think? As maybe it sounds worse than it is. If you think it's gonna be written off I'll get my dealer to come take termi off.

I'm not one of those who would inspect, but it will be written off, as the skill set for these guys on bikes is virtually non existent, they do cars all the time. It sounds very d,asked though and faitings alone are extortionately priced as an aftermarket piece.

Have you not got the original exhausts? You can't send it in without exhausts. Are they definitely excluded? It's normally only race pipes that are excluded for replacement.

[d8mok]

Yes I've got the original exhausts in a box in my loft. I was told that they only replace with oe when I took out my policy. So I took that as they aren't covered in terms of a write off?

I purchased the bike in July 2014 , and added the cans in October. When I asked about increasing my value I was told I couldn't as they didn't add value.

[LoonR1]

That's fine. Swap back to standard and then either sell them on eBay or use them on your new bike.

[d8mok]

am i allowed to specify who does the estimate or repair? they want to use a non ducati dealer and im not keen if im honest

[LoonR1]

d8mok said:

am i allowed to specify who does the estimate or repair? they want to use a non ducati dealer and im not keen if im honest

Yes and no. It depends on the T&Cs in your contract. You can ask for the Ducati dealer to do a quote for repair too, but they'll only work on the cheapest quote. It will be written off anyway, so no need to worry.

As an aside and not aimed at you, but I do find the view that servicing should never be done by a dealer and always by an indy, as they're better skilled vs repairs should always be done by a dealer and never by an Indy, as they're better skilled a bit bizarre. The only difference is who's paying though

[d8mok]

Cheers for the help.

When im calling it a dealer i actually mean a ducati authorised independent service centre. He services and repairs bikes but doesnt sell them.

Just spoke to my underwriter and they are now going to get a engineer to view it as my house. He will do a rough estimate and then decide if its a write off or repair. If its a repair they said i can use a ducati dealer. Lets see if theat remains the case.

He also says that i need to pay my insurance excess (£500) and then claim it back through a different sister company as a uninsured loss. He also couldnt give any time frames for any of this. My leathers arent covered as i dont have any helmet or leather cover, but same again i can claim if its deemed not my fault. He says that this could take a while and i will have to say its a unresolved claim in august when i come to renew my insurance.

I asked if we had confirmation from the 3rd parties insurance if he's admitted liability and was told we may not know for ages.

My service is due in july to keep my warranty. Should the bike be repaired , will the late service affect it or can i claim anything.

I asked about engine damage through running for a while with no oil and he said they only repair what they can see.

[dibblecorse]

d8mok said:

Cheers for the help.

When im calling it a dealer i actually mean a ducati authorised independent service centre. He services and repairs bikes but doesnt sell them.

Just spoke to my underwriter and they are now going to get a engineer to view it as my house. He will do a rough estimate and then decide if its a write off or repair. If its a repair they said i can use a ducati dealer. Lets see if theat remains the case.

He also says that i need to pay my insurance excess (£500) and then claim it back through a different sister company as a uninsured loss. He also couldnt give any time frames for any of this. My leathers arent covered as i dont have any helmet or leather cover, but same again i can claim if its deemed not my fault. He says that this could take a while and i will have to say its a unresolved claim in august when i come to renew my insurance.

I asked if we had confirmation from the 3rd parties insurance if he's admitted liability and was told we may not know for ages.

My service is due in july to keep my warranty. Should the bike be repaired , will the late service affect it or can i claim anything.

I asked about engine damage through running for a while with no oil and he said they only repair what they can see.

Declaring it as an unresolved claim is standard so nothing to worry about there, the same for the excess, although if they do write it off they will often just deduct the excess from the settlement and document it so that you can reclaim it from the 3rd party along with leathers, helmet, injuries etc.

You will know in the next 14 days if the service is relevant, i suspect not so don't worry about it and a service thats just a few weeks late on date but not on mileage will have no effect.

Is the independent you use Cornerspeed ? If so I know full well why you'd want Nelly on the case, he is fantastic.