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.
creampuff said:
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/center/right of lane 3?
I was just over to the right of center in L3.L3 was moving quite a bit quicker than L1 / L2, and the guy decided he wanted a piece of the action.
He said he looked and only saw a van that was quite a away away so went for it.
I was just cruising along being rather relaxed as i was already making good time and had nothing urgent to get home to. Perhaps if i had been a little more alert than i might have been able to avoid him.
Thanks for the posts so far, i guess i should have gone via the 3rd party's insurance. The main benefit apparently is that i would receive a better service.
Alas, my insurance seem to be OK so far, even if a bit fragmented with several different departments "Working" together. E.g. all outsourced.
Need a new bike suite and boots, Helmet is debatable. There are a couple scuffs on it that im sure went there before. Insurance company seems to think its standard to claim a new helmet with any accident. Suite and boots both have rips / holes in them.
When i get confirmation that the 3rd party has admitted fault i will put up some pictures.
Alas, my insurance seem to be OK so far, even if a bit fragmented with several different departments "Working" together. E.g. all outsourced.
Need a new bike suite and boots, Helmet is debatable. There are a couple scuffs on it that im sure went there before. Insurance company seems to think its standard to claim a new helmet with any accident. Suite and boots both have rips / holes in them.
When i get confirmation that the 3rd party has admitted fault i will put up some pictures.
Quick update.
Liability still not appointed, even though i have witness backing me up.
Been nearly a month now without the bike and i don't think it has even been inspected yet. The hire bike (Bandit 1250) is horrific and hurts me to ride it.
Any tricks i can use to speed this along a bit? I just want my bike back and some cash to replace the damaged clothing and hat.
Liability still not appointed, even though i have witness backing me up.
Been nearly a month now without the bike and i don't think it has even been inspected yet. The hire bike (Bandit 1250) is horrific and hurts me to ride it.
Any tricks i can use to speed this along a bit? I just want my bike back and some cash to replace the damaged clothing and hat.
Yep fully comp.
Already told them to just sort the bike and we can sort out liability later. They seem reluctant.
Had a call from them about 10 minutes ago... Still chasing the 3rd party insurance, they have sent over witness statements and quotes but the 3rd party's insurance is still yet to review.
They also mentioned that if accepted, i could have a cheque paid to me for the repair amount and have a garage of my choosing do the work... seemed odd. Although i would prefer to go this route so i can get it done by a proper BMW garage and have some warrintee work completed at the same time.
Already told them to just sort the bike and we can sort out liability later. They seem reluctant.
Had a call from them about 10 minutes ago... Still chasing the 3rd party insurance, they have sent over witness statements and quotes but the 3rd party's insurance is still yet to review.
They also mentioned that if accepted, i could have a cheque paid to me for the repair amount and have a garage of my choosing do the work... seemed odd. Although i would prefer to go this route so i can get it done by a proper BMW garage and have some warrintee work completed at the same time.
Caroline Teeth... or something similar.
Told to repair it under my policy, explicitly. But have not yet done. mind you, if they can do it without me paying my stupid excess it would be a bonus.
The problem is... its underwritten by some one else, instructing some one else to store the bike. instructing some one else to see and price up the bike / repair. With a separate legal department. Some random other PI firm and a doctors now chasing me for an appointment.
And apparently no one can talk to anybody else. Apart from the ambulance chasers... they are well connected and im getting 2/3 calls a day.
Told to repair it under my policy, explicitly. But have not yet done. mind you, if they can do it without me paying my stupid excess it would be a bonus.
The problem is... its underwritten by some one else, instructing some one else to store the bike. instructing some one else to see and price up the bike / repair. With a separate legal department. Some random other PI firm and a doctors now chasing me for an appointment.
And apparently no one can talk to anybody else. Apart from the ambulance chasers... they are well connected and im getting 2/3 calls a day.
LoonR1 said:
This is quite frustrating. Carole Nash (like the majority of bike "insurers") are a broker. They are however able to handle claims themselves, as such they instruct repairs. They've handed you off to Plantec, who are now trying to coin it in and line their own pockets with a lengthy hire bill. Ring Carole Nash back, tell them you have a fully comp policy amd that they must repair it. If they refuse then let me know and I'll send you a PM with all the relevant stuff to get it sorted immediately.
I have been on to CN, the underwriters Mark study, or something... and Plantec telling them to repair the bike. nothing appears to have happened. Whilst i guess i could be a little more forceful, i don't have an address to send the invoice for my time too. And they wouldn't like my rates.LoonR1 said:
Now you're being daft. Who is repairing the bike? If a recognised repairer then they will invoice CN directly, if you're doing it then why haven't you already done it?youre complaining about the lack of repair and now you're hinting that you want to do it.
I'll offer help, but not if you're just playing games, if you are you're on your own.
You misunderstand me, sir. I am merely jesting at sending them an invoice for my time and all of the phoning round i am having to do. They should be able to talk to one another them selves without me having to become a google insurance expert.I'll offer help, but not if you're just playing games, if you are you're on your own.
Plantec are repairing the bike, who will invoice Marker Study underwriters, who i guess will do something with CN.
It is Plantec who suggested they could send me a cheque so i can get the bike repaired at a garage of my choosing. But as previously stated... this sounds fishy to me.
LoonR1 said:
Prizam said:
You misunderstand me, sir. I am merely jesting at sending them an invoice for my time and all of the phoning round i am having to do. They should be able to talk to one another them selves without me having to become a google insurance expert.
Plantec are repairing the bike, who will invoice Marker Study underwriters, who i guess will do something with CN.
It is Plantec who suggested they could send me a cheque so i can get the bike repaired at a garage of my choosing. But as previously stated... this sounds fishy to me.
Don't accept the cheque. Ring Plantec and tell them to repair your bike as you have a legal contract which states that they will repair your bike irrespective of fault. Plantec are repairing the bike, who will invoice Marker Study underwriters, who i guess will do something with CN.
It is Plantec who suggested they could send me a cheque so i can get the bike repaired at a garage of my choosing. But as previously stated... this sounds fishy to me.
Only been a bloody month for them to get round to ordering bits for it. i guess i should have gone direct to the 3rd party's insurance and hopefully go some better service. Having said that, if there is any truth in what my insurance company / plantec are saying then the 3rd party insurer must be a bloody nightmare to deal with!
Whats the bet its another month before the parts come in?
LoonR1 said:
You really need to watch yourself with this and the hire bill that you're building up. It will be £1000s by now.
What can i do / Should i do? How am i exposed?I do agree that in the interests of saving everyone's insurance premiums, this whole matter should have been resolved within a couple of weeks.
Still on the POS hire bike.
Told them to get on with it and i will cough up the £800 excess.
Parts on order, none turned up yet.
3rd party's insurance have not yet commented. Losing the will, here. Its a relativity straight forwards case, with a witness.
I will be billing them for my time in all the chasing I am having to do, as well as the holiday I have had to take from work.
They want me to go see an ambulance chasing DR for an "inspection", I declined repeatedly up until last week, when I received a letter with an appointment date. I will now go to this.
Completely and utterly pissed off with it all now. Another couple weeks and the bike will have been in for "repair" for longer than i have owned it.
Told them to get on with it and i will cough up the £800 excess.
Parts on order, none turned up yet.
3rd party's insurance have not yet commented. Losing the will, here. Its a relativity straight forwards case, with a witness.
I will be billing them for my time in all the chasing I am having to do, as well as the holiday I have had to take from work.
They want me to go see an ambulance chasing DR for an "inspection", I declined repeatedly up until last week, when I received a letter with an appointment date. I will now go to this.
Completely and utterly pissed off with it all now. Another couple weeks and the bike will have been in for "repair" for longer than i have owned it.
Knee still hurts, mostly in the evening. Its strange, its under the knee (knee pit if you will). Also hurts up the leg and in to my bum.
Should really get to the doctors.
By means of an update. I still haven't got the bike back.
It has apparently been repaired, after paying my £850 excess (Yikes). But they have lost the bike so cant deliver it back to me.
And to top it off, still no word on liability. At my last update the 3rd party still had not looked at the witness statement.
This is all dragging on for a lot longer than I can bear.
Should really get to the doctors.
By means of an update. I still haven't got the bike back.
It has apparently been repaired, after paying my £850 excess (Yikes). But they have lost the bike so cant deliver it back to me.
And to top it off, still no word on liability. At my last update the 3rd party still had not looked at the witness statement.
This is all dragging on for a lot longer than I can bear.
Sorry all, using this as a bit of a diary now.
Got the bike back on wednesday after they lost it. The repair is good, in fact I cant fault it really. not that their was much in the way of damage anyway.
No admission of liability yet. 3rd party insurance company has not said anything.
Anyway of speeding this up? Their must be guidelines on how quickly insurance company's must respond. Nearly 5 months now and still "No comment". Starting to piss me off having this looming over me.
Got the bike back on wednesday after they lost it. The repair is good, in fact I cant fault it really. not that their was much in the way of damage anyway.
No admission of liability yet. 3rd party insurance company has not said anything.
Anyway of speeding this up? Their must be guidelines on how quickly insurance company's must respond. Nearly 5 months now and still "No comment". Starting to piss me off having this looming over me.
Will look at Swiftcover for next year!
I think now Plantec have given the bike back I have been handed over to CN legal services. Who seem a lot more efficient.
I have the scheduled of losses and expenses. The bike hire costs are eye watering! You could have purchased outright at least 3 of those bandits for the cost of the hire. Its cuffing nuts!
That said, i wouldn't have been able to do my London commute without it.
On balance, it is still completely possible that this whole ordeal is down to the 3rd party's insurance being useless. CN Legal services are getting on with it and putting forwards a "Part 36", stating that if no response or satisfactory offer is received they will start legal proceedings.
My guess right now, based on my experiences so far is that no response will be given, legal proceedings will follow and the 3rd party will settle up a few days before the court date. f
kers.
I think now Plantec have given the bike back I have been handed over to CN legal services. Who seem a lot more efficient.
I have the scheduled of losses and expenses. The bike hire costs are eye watering! You could have purchased outright at least 3 of those bandits for the cost of the hire. Its cuffing nuts!
That said, i wouldn't have been able to do my London commute without it.
On balance, it is still completely possible that this whole ordeal is down to the 3rd party's insurance being useless. CN Legal services are getting on with it and putting forwards a "Part 36", stating that if no response or satisfactory offer is received they will start legal proceedings.
My guess right now, based on my experiences so far is that no response will be given, legal proceedings will follow and the 3rd party will settle up a few days before the court date. f
kers.Very interesting, as soon as the legal lads give them a kick i get the news that they have accepted liability and are awaiting my "claim".
Least its one less thing for me to worry about, and i can look forwards to getting my excess back.
The cynic in me thinks that Plantek might have been stringing it out for the hire bike money. hummm...
Least its one less thing for me to worry about, and i can look forwards to getting my excess back.
The cynic in me thinks that Plantek might have been stringing it out for the hire bike money. hummm...
By way of an update / closure to this.
3rd party admitted liability and a couple weeks later have accepted costs for my kit, the hire bike and my insurance excess. Even bunged me a few quid for the busted leg / knee.
Knee still hurts and shows no sign of getting better. No point in chasing it though. Padding it out with £50 notes wont make it feel any better.
just waiting on the cheque now.
3rd party admitted liability and a couple weeks later have accepted costs for my kit, the hire bike and my insurance excess. Even bunged me a few quid for the busted leg / knee.
Knee still hurts and shows no sign of getting better. No point in chasing it though. Padding it out with £50 notes wont make it feel any better.
just waiting on the cheque now.
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