Insurance process ?
Discussion
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.
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.
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.
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 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. 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.
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?
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.
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.
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.
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.
Thanks for the input too mate.. glad to hear these things are normal.
Yes it is indeed Nelly who i want to use. If it was going to be repaired he's the man id trust to do it. The underwriter seemed to understand my concern of a nearly new bike being repaired by a non franchise agent in case of further issues down the line since the engine was running for a bit with no oil etc.
Im a bit gutted im missing riding time though. Ive got a monster too but theres no way i can ride yet (or walk further than a couple of steps).
Yes it is indeed Nelly who i want to use. If it was going to be repaired he's the man id trust to do it. The underwriter seemed to understand my concern of a nearly new bike being repaired by a non franchise agent in case of further issues down the line since the engine was running for a bit with no oil etc.
Im a bit gutted im missing riding time though. Ive got a monster too but theres no way i can ride yet (or walk further than a couple of steps).
The guy is coming out to view the bike today from my insurance company. Hopefully it all goes well.
Am i better letting my insurance company deal with it? id have to pay excess, and cant claim for my clothing yet or shall i call the drivers insurance and try to deal direct on the hope they pay out quicker and easier ?
Am i better letting my insurance company deal with it? id have to pay excess, and cant claim for my clothing yet or shall i call the drivers insurance and try to deal direct on the hope they pay out quicker and easier ?
The assessor guy called me today to ask where he could obtain an idea of Ducati part prices and the labour involved so I've pointed him in direction of 2 local dealers.
I also received a letter today from the blokes insurance (saga) asking me to call them reference the incident. The letter talks about making my life easier , getting my vehicle repaired , and a loan car. I assume this might be damage mitigation? To stop costs spiralling. I don't need a car as I have one and I don't want a bike loaner.
Also I've received a claim pack from my insurer asking me to fill in what happened and witnesses etc.
I also received a letter today from the blokes insurance (saga) asking me to call them reference the incident. The letter talks about making my life easier , getting my vehicle repaired , and a loan car. I assume this might be damage mitigation? To stop costs spiralling. I don't need a car as I have one and I don't want a bike loaner.
Also I've received a claim pack from my insurer asking me to fill in what happened and witnesses etc.
I'll give them a call in the morning. Does it matter that my insurance have already got involved in terms of sending a bloke out, and other little bits..? Don't want to get wedged with a bill.
The soliciter my insurance has appointed is coming on Friday to see me in regards my claim.
The soliciter my insurance has appointed is coming on Friday to see me in regards my claim.
Saga called again today. I've got to submit receipts for leathers/helmet etc. Told them what you said that i don't want a loan bike but would appreciate it being written off and full value etc. They are coming to look at he bike today and see where we go from there. My injury is a separate issue they say as its more serious than a car accident so i've got to leave that to solicitors.
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