Motorcycle accident help
Discussion
Hi all, roughly a year ago I was involved in a motorbike accident. I was knocked off by a car who pulled out in front of me from an oncoming Lane. The bike was declared a write off and I was payed out by the other guys insurance. Last week I was contacted by a solicitor acting on behalf of my insurance company trying to recover the cost of the courtesy bike I was given. They stated that they have not been instructed to recover the cost from me, but from the other guys insurance. Anyone know how this is likely to pan out? If they can't recover the costs from the other guys insurance company then will that make me liable for the costs? Any help would be much appreciated. Thanks in advance.
TheThing said:
Hi all, roughly a year ago I was involved in a motorbike accident. I was knocked off by a car who pulled out in front of me from an oncoming Lane. The bike was declared a write off and I was payed out by the other guys insurance. Last week I was contacted by a solicitor acting on behalf of my insurance company trying to recover the cost of the courtesy bike I was given. They stated that they have not been instructed to recover the cost from me, but from the other guys insurance. Anyone know how this is likely to pan out? If they can't recover the costs from the other guys insurance company then will that make me liable for the costs? Any help would be much appreciated. Thanks in advance.
The bill for the courtesy bike was given to the other driver's insurer. They have contested the bill. Your insurer is arguing on your behalf (presumably you have legal cover) but the outcome will be decided upon the basis of whether or not you needed the courtesy bike. Did you sign a hire agreement for the bike on delivery? If so it most likely included a statement that you needed the bike for transport and couldn't use alternative means. Was the bike necessary or just 'nice to have available'? That sounds very accusatory but isn't intended that way, just my best guess of what is currently happening combined with a couple of questions that are likely to be asked before long so worth being ready for.
Hi and thank you for the reply. Yes I did sign a hire agreement upon delivery. The bike was necessary as a motorcycle is my main form of transport. I normally cover roughly 12000 miles a year. Mainly commuting. The bike that was written off was unridable due to the damage sustained in the accident.
Sounds almost exactly the same as a situation I had.
Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
TheThing said:
Thanks for the replies. I have seen the latest 44 teeth video and thats what scared me to be honest. Insurance company was Lexham who were really helpful to be fair.
Try not to stress. It sounds like you genuinely needed the hire bike, so the 3rd party insurer will be obliged to pay up.ChocolateFrog said:
Sounds almost exactly the same as a situation I had.
Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
£100 a day is ridiculous. Alarm bells would have started ringing straight away. No wonder premiums continue to increase.Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
kestral said:
ChocolateFrog said:
Sounds almost exactly the same as a situation I had.
Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
£100 a day is ridiculous. Alarm bells would have started ringing straight away. No wonder premiums continue to increase.Was knocked off my Bandit 1200 (this is circa 2007) by a driver who turned right in front of me. Bike was my only transport. , needed it to commute. They insisted on like for like and gave me an FZ1, even though I would have happily had something from 500cc up.
Cost was £100odd per day on a credit hire agreement. Bill topped £10k because they dragged their feet with the claim. The bike was in a terrible condition due to me adding about 10000 miles (100 miles per day) and the salt never being washed off.
At one point after I'd handed it back they tried to come after me for the bill but I stood firm and the other guys insurance eventually paid. I needed a bike to commute, had asked for a cheaper bike and had been chasing them periodically during the hire which I think covered my obligation to keep the costs to a reasonable level, or whatever the wording is in the hire agreement.
I wouldn't sign another credit hire agreement though, was too close for comfort.
Lets not forget that even a small car is far more expensive than most "common" bikes. An Aygo for example is something like £11.5k while a CBR650R is £8k!
I seriously wouldn't let it worry you. The other side are probably trying about the size of the hire bill and trying to get a reduction hence solicitors getting involved.
Just follow what your solicitors say and answer their questions or provide documents as and when they ask.
It'll be highly unlikely that this gets to Court.
Just follow what your solicitors say and answer their questions or provide documents as and when they ask.
It'll be highly unlikely that this gets to Court.
I was knocked off in low speed traffic last year. Bike was unridable but not written off. It took 2 months to resolve/repair. I was called multiple times by my insurer's outsourced accident claims people & also from the other party's insurers, encouraging me to take out a 'hire bike' contract. I'm glad I didn't take them up on the 'offer', as I think I would be pursued for costs by now, given that my bike is not my main form of transport. I was very sceptical of the entire process, particularly the 'storage agreement', which appeared to leave me wide open if the other party had kicked up a fuss & not admitted liability...
https://www.whitedalton.co.uk/motorbike-blog/2016/...
https://www.whitedalton.co.uk/motorbike-blog/2016/...
kestral said:
£100 a day is ridiculous. Alarm bells would have started ringing straight away. No wonder premiums continue to increase.
I wonder if this is perhaps what is going on here - the other insurance company do not like the bill but hope it might be lowered (considerably) so as to end the matter.Just as we don't always accept their first offer on a claim, they probably don't just pay wild bills without some game playing.
They will pay eventually, methinks.
Richard-D said:
It seems to have gone back up again this morning. Has anyone played 'spot the difference' yet?
This is apparently the reason: 'Apologies for the reupload, but we're also sorry for inadvertently using language in the original that some viewers may have found offensive'https://www.youtube.com/watch?v=PbHQMD0auzk&ab...
Edited by Biker 1 on Friday 13th November 13:48
Thank you, I hadn't seen that. With the nature of the video I had just assumed someone was unhappy about the subject matter. I wonder who was offended by that as it was pretty innocuous by 44T standards. Maybe the 'offendee' should check out the previous insurance interview where they spent half of it discussing the dangers of seat mounted dildos.
References to a foreign currency have been removed, and possibly some hand gestures used when talking about making money.
It looks a bit thoughtless for a legal professional to make such a gaffe, and compares to police officers throwing their weight around on Social Media and getting the law wrong while trying to enforce the Covid-19 economic shutdown.
I strongly doubt references to the currency and hand gestures show any maliciousness and prejudice, just a bit of thoughtlessness but cannot see any benefit by using the term. Seems just thoughtless use of slang without any offence meant.
It looks a bit thoughtless for a legal professional to make such a gaffe, and compares to police officers throwing their weight around on Social Media and getting the law wrong while trying to enforce the Covid-19 economic shutdown.
I strongly doubt references to the currency and hand gestures show any maliciousness and prejudice, just a bit of thoughtlessness but cannot see any benefit by using the term. Seems just thoughtless use of slang without any offence meant.
Edited by carinaman on Friday 13th November 23:12
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