Friend crashed my bike
Discussion
Went out on the bike with a mate earlier today and his bike broke down, i got it recoved using my aa membership and he rides my bike home, then a guy who was turning right wiped him out.
Anyway what do i do now?
He has insurance which allows him to ride other bikes
Im fully comp also, other guy admited fault, police was called and mate taken to hospital with a busted knee but is fine and shouldnt have any serious injurys.
Do i go through my insurance?
Does my mate handle it all?
Its abit confusing really
Anyway what do i do now?
He has insurance which allows him to ride other bikes
Im fully comp also, other guy admited fault, police was called and mate taken to hospital with a busted knee but is fine and shouldnt have any serious injurys.
Do i go through my insurance?
Does my mate handle it all?
Its abit confusing really
He was riding on his cover so in theory his insurance company should claim against the other party.
Major ballache for you because his cover will be Third Party Only on other bikes, so getting your bike repaired and back on the road isn't going to be as smooth as it would have been had you been riding it with your Comprehensive cover. And the car driver's admission of blame at the scene may mutate into something else later, with him/his insurance company trying to get a 50:50.
Your mate should have been a helll of a lot more careful on a bike that wasn't his.
Good luck anyway...
If Twig answers then he'll know for sure
Major ballache for you because his cover will be Third Party Only on other bikes, so getting your bike repaired and back on the road isn't going to be as smooth as it would have been had you been riding it with your Comprehensive cover. And the car driver's admission of blame at the scene may mutate into something else later, with him/his insurance company trying to get a 50:50.
Your mate should have been a helll of a lot more careful on a bike that wasn't his.
Good luck anyway...
If Twig answers then he'll know for sure
Wacky Racer said:
Not a fan of "compensation culture" but your friend's "busted knee" could cause him a lot of problems years down the line.
Hope it's not too serious.
There some blood in the joint and maybe a small fracture but hopefully be ok.Hope it's not too serious.
Bars bent, pegs bent, brake lever bent, engine casing got some dents from where the brake levers hit it, headlight busted, clocks got broken mountings, fairings scraped down one side, steering doesnt seem to want to lock, forks seem to look ok but ill have a closer look today, mirrors smashed, hand guards scratched,
Reckon they will write it off or could it be saved?
Palms said:
Bars bent, pegs bent, brake lever bent, engine casing got some dents from where the brake levers hit it, headlight busted, clocks got broken mountings, fairings scraped down one side, steering doesnt seem to want to lock, forks seem to look ok but ill have a closer look today, mirrors smashed, hand guards scratched,
Reckon they will write it off or could it be saved?
Depends on the claims assessor.Reckon they will write it off or could it be saved?
Surely you're claiming from the other driver's insurance so your mate's cover on your bike is pretty irrelevant? If the car pulled out on him, that car's insurance should pony up. Unless there's more to it?
WaferThinHam said:
Depends on the claims assessor.
Surely you're claiming from the other driver's insurance so your mate's cover on your bike is pretty irrelevant? If the car pulled out on him, that car's insurance should pony up. Unless there's more to it?
Thats what i dont really understand, its my bike but i wasnt riding it, i was thinking that i dont need to be involved, he claims off the other guy?Surely you're claiming from the other driver's insurance so your mate's cover on your bike is pretty irrelevant? If the car pulled out on him, that car's insurance should pony up. Unless there's more to it?
There is nothing more to it, everything is above board and legal.
Police arrived and happy that everything was legal, they called it an accident and went on their merry way
As much as the majority of this forum despise accident management firms I would say you have a better chance of getting the actual value of your bike through one of them as the other parties insurance company will low ball and then refuse to raise it's offer leaving you out of pocket. Try Mcams or Sorry mate, they are both motorcycle orientated and should get you a better deal on your bike.
PS your mate will have to claim as he was the rider at the time
PS your mate will have to claim as he was the rider at the time
wolf1 said:
As much as the majority of this forum despise accident management firms I would say you have a better chance of getting the actual value of your bike through one of them as the other parties insurance company will low ball and then refuse to raise it's offer leaving you out of pocket. Try Mcams or Sorry mate, they are both motorcycle orientated and should get you a better deal on your bike.
This, or White Dalton. Palms said:
WaferThinHam said:
Depends on the claims assessor.
Surely you're claiming from the other driver's insurance so your mate's cover on your bike is pretty irrelevant? If the car pulled out on him, that car's insurance should pony up. Unless there's more to it?
Thats what i dont really understand, its my bike but i wasnt riding it, i was thinking that i dont need to be involved, he claims off the other guy?Surely you're claiming from the other driver's insurance so your mate's cover on your bike is pretty irrelevant? If the car pulled out on him, that car's insurance should pony up. Unless there's more to it?
There is nothing more to it, everything is above board and legal.
Police arrived and happy that everything was legal, they called it an accident and went on their merry way
Hopefully things work out in your favour. But there is normally a clause in the 'ride other bikes / DOC' cover that says the insured vehicle has to be roadworthy. This could potentially cause problems. You might want to keep it quiet that his bike being broken was the reason he was riding yours.
Donbot said:
Hopefully things work out in your favour. But there is normally a clause in the 'ride other bikes / DOC' cover that says the insured vehicle has to be roadworthy. This could potentially cause problems. You might want to keep it quiet that his bike being broken was the reason he was riding yours.
Really? It literally broke down on our rideout but ill bear that in mind
Palms said:
Donbot said:
Hopefully things work out in your favour. But there is normally a clause in the 'ride other bikes / DOC' cover that says the insured vehicle has to be roadworthy. This could potentially cause problems. You might want to keep it quiet that his bike being broken was the reason he was riding yours.
Really? It literally broke down on our rideout but ill bear that in mindDonbot said:
Hopefully things work out in your favour. But there is normally a clause in the 'ride other bikes / DOC' cover that says the insured vehicle has to be roadworthy. This could potentially cause problems. You might want to keep it quiet that his bike being broken was the reason he was riding yours.
Well, it was technically roadworthy, in the legal sense, wasn't it? It just didn't work. That clause is probably to avoid silliness like "borrowing from a mate" a superbike when your insurance is on an AR50 that hasn't passed an MOT since Mark Wahlberg was in a boy band.InitialDave said:
Well, it was technically roadworthy, in the legal sense, wasn't it? It just didn't work. That clause is probably to avoid silliness like "borrowing from a mate" a superbike when your insurance is on an AR50 that hasn't passed an MOT since Mark Wahlberg was in a boy band.
Yes its roadworthy just happend to break down.Like i said everything is above board so the only gremlins to fight against are the insurance company playing ball.
A few have mentioned accident managment company’s so ill get my friend to go down that route so hopefully im not out of pocket.
Dont worry about any issues around why he was on your bike.
There are two parts to the claim (1) personal injury and (2) bike damage.
Sorting out (1) will take time because they won't know what long term impact there will be for ages.
If old duffer has admitted fault there is no reason why they cant sort out (2) immediately. I'd decide how much you want for the bike and collect evidence. Then ring the insurer and say "I'm happy to settle on the bike for £xxx. If you are not prepared to meet this then I will be hiring a bike at your cost and engage a claims management company at your cost"
There are two parts to the claim (1) personal injury and (2) bike damage.
Sorting out (1) will take time because they won't know what long term impact there will be for ages.
If old duffer has admitted fault there is no reason why they cant sort out (2) immediately. I'd decide how much you want for the bike and collect evidence. Then ring the insurer and say "I'm happy to settle on the bike for £xxx. If you are not prepared to meet this then I will be hiring a bike at your cost and engage a claims management company at your cost"
InitialDave said:
Well, it was technically roadworthy, in the legal sense, wasn't it? It just didn't work. That clause is probably to avoid silliness like "borrowing from a mate" a superbike when your insurance is on an AR50 that hasn't passed an MOT since Mark Wahlberg was in a boy band.
His friend will have to read the small print in his insurance documents to know what the t's and c's are for him. For me it has varied between insurers. I've had policies which say I can't use other vehicles if I'm doing so because my car / bike doesn't work (or isn't roadworthy).
Donbot said:
InitialDave said:
Well, it was technically roadworthy, in the legal sense, wasn't it? It just didn't work. That clause is probably to avoid silliness like "borrowing from a mate" a superbike when your insurance is on an AR50 that hasn't passed an MOT since Mark Wahlberg was in a boy band.
His friend will have to read the small print in his insurance documents to know what the t's and c's are for him. For me it has varied between insurers. I've had policies which say I can't use other vehicles if I'm doing so because my car / bike doesn't work (or isn't roadworthy).
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