Insurance claim help required.
Discussion
bimsb6 said:
have you sorted claiming for clothing etc ? the insurance must by law replace his helmet like for like .
We have been told that its not the insurance that replaces it, it has to be the solicitor who is making a claim on our behalf, and they said that they take age and condition into consideration only and not what it would cost to buy new. But, as luck would have it, he has just bought (about 4 days before the accident) a new agv and decided that he would keep wearing his caberg for the journey to work, so at least its not urgent for him to replace it. As for the rest of it, he has been told that age and condition also get taken into consideration for the gloves, textiles and boots too. Which he's not too chuffed about, cos you wouldn't want to go out and get used ones when you spent all your hard earned cash saving up for the ones the idiot driver trashed.As far as the solicitors go, they have said despite the fact that the insurance company has admitted liability, and despite the fact that they know all of my hubbies injuries and time off work he wants to claim for, they don't know how long it will take, how much compensation he will get, and will not give him an interim payment in order to buy the new gear or to make up the difference in the cost of the bike/missing excess.... this has meant we have had to take a loan out in order to get his stuff so that he can ride his bike when he picks it up.
Read this carefully.
Legally the 3rd party was negligent and as a result of his negligence you suffered a loss. You have a legal right to insist that you are put back in the position that you were immediately before your loss and it is the 3rd party who is liable for the costs associated with this.
In this case he is insured so his insurance company becomes liable. Your insurance company is trying to deal with this as quickly and cost effectively as possible which means giving you a payout and then recovering that from the other insurer. If they give you too high a payout then the other insurer will argue this therefore taking up your insurers time. That's why their offer is low, it's about efficiency not saving on the actual payout.
You can deal directly with the 3rd party's insurer and not involve yours at all. This is your right and is what I would personally do. However, you may not have the confidence or knowledge to do this yourself (and I don't mean that in an insulting way) and this is where someone like Anniesdad can help.
I'm not one for promoting external assistance as they will charge the 3rd party insurer and that puts everyones' premiums up but if you don't think that you will get what you want yourself then you haven't much choice.
The most important thing to remember is that your premiums will go up as you now have an accident record (albeit not your fault) and apparently this makes you a higher risk. You must ensure that your claim against the 3rd party includes any additional insurance premiums that you will incur over the next 5 years (I think that's how long most insurers load the premiums for). If they refuse to do this then go onto their website and get 2 quotes, one with accident history the other without, compare the difference and then send them the evidence.
Whatever you do, don't back down and accept less than what you are entitled to.
Thus endeth the lesson.
Legally the 3rd party was negligent and as a result of his negligence you suffered a loss. You have a legal right to insist that you are put back in the position that you were immediately before your loss and it is the 3rd party who is liable for the costs associated with this.
In this case he is insured so his insurance company becomes liable. Your insurance company is trying to deal with this as quickly and cost effectively as possible which means giving you a payout and then recovering that from the other insurer. If they give you too high a payout then the other insurer will argue this therefore taking up your insurers time. That's why their offer is low, it's about efficiency not saving on the actual payout.
You can deal directly with the 3rd party's insurer and not involve yours at all. This is your right and is what I would personally do. However, you may not have the confidence or knowledge to do this yourself (and I don't mean that in an insulting way) and this is where someone like Anniesdad can help.
I'm not one for promoting external assistance as they will charge the 3rd party insurer and that puts everyones' premiums up but if you don't think that you will get what you want yourself then you haven't much choice.
The most important thing to remember is that your premiums will go up as you now have an accident record (albeit not your fault) and apparently this makes you a higher risk. You must ensure that your claim against the 3rd party includes any additional insurance premiums that you will incur over the next 5 years (I think that's how long most insurers load the premiums for). If they refuse to do this then go onto their website and get 2 quotes, one with accident history the other without, compare the difference and then send them the evidence.
Whatever you do, don't back down and accept less than what you are entitled to.
Thus endeth the lesson.
Thanks for that info.... just out of curiosity, as you know you can't use your no claims from your car for your bike and vice versa, so, would this have an effect on our car insurance too?? Do we have to tell any prospective car insurance companies that the hubby has had a claim, even though it was on a different vehicle and the two policies don't interact?? Sorry for asking, its just the car insurance is actually due in a few weeks.
I’m sorry to keep saying this 
but, if you contact ‘anniesdad’ he will ensure that ALL your costs are recovered and that you are not out of pocket. It won’t cost you anything and he has done this many times before so won’t be trying to think of other things that need to be claimed for! It’s what he does for a living and I understand he is very good at it!!
but, if you contact ‘anniesdad’ he will ensure that ALL your costs are recovered and that you are not out of pocket. It won’t cost you anything and he has done this many times before so won’t be trying to think of other things that need to be claimed for! It’s what he does for a living and I understand he is very good at it!!black-k1 said:
I’m sorry to keep saying this but, if you contact ‘anniesdad’ he will ensure that ALL your costs are recovered and that you are not out of pocket. It won’t cost you anything and he has done this many times before so won’t be trying to think of other things that need to be claimed for! It’s what he does for a living and I understand he is very good at it!!
lol, sorry.... I will, I'm just waiting until the hubby finishes work so that he can have a look at all of the posts. but, if you contact ‘anniesdad’ he will ensure that ALL your costs are recovered and that you are not out of pocket. It won’t cost you anything and he has done this many times before so won’t be trying to think of other things that need to be claimed for! It’s what he does for a living and I understand he is very good at it!!Do bear in mind that Anniesdad's business model is primarily referral fee based, not fixed fee. He gets money from third parties, such as the replacement bike hire people and the solicitors. He may well charge you a fee for his work, which is NOT part of the claim itself. That said, he is worth every single penny.
t'other half said:
Thanks for that info.... just out of curiosity, as you know you can't use your no claims from your car for your bike and vice versa, so, would this have an effect on our car insurance too?? Do we have to tell any prospective car insurance companies that the hubby has had a claim, even though it was on a different vehicle and the two policies don't interact?? Sorry for asking, its just the car insurance is actually due in a few weeks.
Sadly it's nothing to do with your no claims bonus as you're not actually making a claim on your insurance. You should disclose the accident when renewing any insurance so you may find that your car premiums go up too.It's a crappy system as it penalises you even though you've dobne nothing wrong.
As others have said, if you're not confident of doing it yourself, or more importantly having the time to deal with a bunch of inefficient, ignorant insurance company employees then give Anniesdad a call.
Its not that I'm not confident, I just wanted to make sure we weren't being had, because I feel that we should not lose out because of something someone else has done, and I feel that we are losing out. When someone bumped into my mums car and unfortunately wrote it off, her insurance company had paid out in full within about two weeks of the accident, and although she only had the car insured for £2100 she got an amazing £2400 from the insurers because that was how much they felt it would cost to buy a new one... that is my only ever experience of a claim. I have been driving 4 years, and the hubby driving and riding for over 20 years and neither of us have ever had cause to have to claim.... from my experience with this company, I really do hope we never have reason to claim in the future.
However, as someone pointed out earlier, it seems £3000 is a fair price for the bike after all, we just didn't know where to look for the bargains, so I think that we will probably shut up and accept it now, although his new bike has cost a little more than that, but its a different make and model and a year or two younger, and its still a twin, which he is happy with. So now we just wait for the solicitors to sort the clothing claim out and the jobs a good 'un.
Also, I have just had a phonecall from a company instructed by our brokers, who tell me they will be claiming the excess back for us and it shouldn't take too long to sort out, so thats a relief.
However, as someone pointed out earlier, it seems £3000 is a fair price for the bike after all, we just didn't know where to look for the bargains, so I think that we will probably shut up and accept it now, although his new bike has cost a little more than that, but its a different make and model and a year or two younger, and its still a twin, which he is happy with. So now we just wait for the solicitors to sort the clothing claim out and the jobs a good 'un.
Also, I have just had a phonecall from a company instructed by our brokers, who tell me they will be claiming the excess back for us and it shouldn't take too long to sort out, so thats a relief.
When I got a decent final offer on the MV, the significant phrase seemed to be "neither trade nor forecourt". You've been offered bottom end trade price.
The really important phrase from the post before was "restore you to the position you were in prior to the incident". Its irrelevant that he fancies another sort of bike (PS tell me its the RSVR, not the cooking one). In order to put him back where he was, he requires the same sort of bike, with the right service history, maintenance etc etc. Cede the point on the exhausts though.
Its a fair offer on the mileage for 20K, so accept the forecourt price for the nearest match you can find, minus a couple of hundred (supported with ads and links) and the jobs a good un.
The really important phrase from the post before was "restore you to the position you were in prior to the incident". Its irrelevant that he fancies another sort of bike (PS tell me its the RSVR, not the cooking one). In order to put him back where he was, he requires the same sort of bike, with the right service history, maintenance etc etc. Cede the point on the exhausts though.
Its a fair offer on the mileage for 20K, so accept the forecourt price for the nearest match you can find, minus a couple of hundred (supported with ads and links) and the jobs a good un.
I'm in the final stages of a 'no fault claim' and I have been assured a 'no fault claim' will not increase my premium nor blight no claims discount.
Frankly the OP's insurance co suck. My insurance co have bent over backwards to help me nail the nasty piece of work that lied through his teeth denying he reversed into my Griff.
Frankly the OP's insurance co suck. My insurance co have bent over backwards to help me nail the nasty piece of work that lied through his teeth denying he reversed into my Griff.
t'other half said:
randlemarcus said:
(PS tell me its the RSVR, not the cooking one).
Its an RSV 1000 Mille R, hope that helps, cus I dunno what the cooking one is lol!!
Fantastic bike, you'll both love it.The cooking one is the standard Mille, and while its a good bike in and of itself, the R additional money is so very very much worth it.
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