First accident - a couple of questions
Discussion
Not long ago I started this thread.... that was a mistake! 
This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
I thought it should be obvious that you tell your insurance company.
How the claim goes will depend on the insurers.
Four years ago I crashed into someone who pulled out from stationary while I was filtering. I spoke to the other persons insurer directly who didn't challenge the claim, and the money was in my bank within 5 minutes of the phone call ending.
How the claim goes will depend on the insurers.
Four years ago I crashed into someone who pulled out from stationary while I was filtering. I spoke to the other persons insurer directly who didn't challenge the claim, and the money was in my bank within 5 minutes of the phone call ending.
skahigh said:
Not long ago I started this thread.... that was a mistake!
This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
If a queue of cars has left a gap big enough for a car to get through, there is an extremely, extremely high chance a car is about to come through it. But I guess you know that now. This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
308mate said:
skahigh said:
Not long ago I started this thread.... that was a mistake!
This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
If a queue of cars has left a gap big enough for a car to get through, there is an extremely, extremely high chance a car is about to come through it. But I guess you know that now. This evening on the way home I had my first collision on the road of any kind (including driving) in 18 years on the road.
I was riding up this single carriageway road, 20mph limit recently reduced from 30, approaching the lights (heading north).
A lady had been parked in the disabled bay on the left facing south (away from the lights) and was pulling across my lane to head south.
I began to filter past a few cars that had stopped in my lane (a normal daily occurrence on this busy road as it's part of my commute).
My view of the lady who had been parked in the disabled bay was completely obscured by one of these cars until the last second when she drove into the side of me while looking over her shoulder at the traffic heading south.
I tried to take avoiding action but it all happened in half a second, I was probably doing no more than 10mph when she knocked me over.
I'm pretty much unhurt bar a bruised foot and the bike seems to be fairly lightly damaged; missing brake lever, snapped exhaust hangers on both sides (plastic), possibly bent tailpipe, scuffed bar end weight and crash bobbins.
I'm a bit annoyed with myself for not putting myself in a position where I could avoid the collision but on the whole I'm just pleased no-one was really hurt.
So, as it's the first time I've ever been in this situation I have a few questions...
- I believe I am required to notify my insurance company?
- If the lady claims on her insurance does that claim go to my insurance company? How does it work?
- This seems like a 50-50 fault accident to me?
- I think I have to declare the accident when re-insuring next time? is this likely to screw my premiums?
- Would you bother taking the bike to a garage to check out the damage or just get on and fix the bits that look broken?
TL;DR version: Minor bump, insurance questions. Sorry for such a boring thread.
308mate said:
If a queue of cars has left a gap big enough for a car to get through, there is an extremely, extremely high chance a car is about to come through it. But I guess you know that now.
Yep, I knew that anyway, I'm pretty cautious with these things generally which is why I'm a bit annoyed with myself.308mate said:
If a queue of cars has left a gap big enough for a car to get through, there is an extremely, extremely high chance a car is about to come through it. But I guess you know that now.
Yup, pretty much a given at junctions to have someone "nosing" their way out to bite your ankles, thankfully the big culprits are couriers and easily spotted, I think it's DPD company policy to just muscle your way out of every junction ignoring traffic flow either direction. Even worse are impatient people in traffic who decide they want to just pull a U-turn without warning as you are filtering, usually aggressively as they are in a huff, one nearly creamed me last year doing this, I keep my speed down to 10mph when it's nose to tail. I see some filtering on YouTube in London that turns my stomach with regard to speed differentials. I'd get a real schooling by the filtering gods I reckon, haha. Captain slow here.
Still, glad you're OK OP, out of interest how did you not see the car maneuvering, was there a high roof vehicle obscuring it from view? Generally, when you can't see past something, I assume my worst nightmare and oblivion is on the other side.
She will need a new front bumper, she definitely sustained more damage than me.
Does this image from google photos work for anyone but me?
I've got new levers coming tomorrow and have contacted Scorpion about the exhaust brackets but, in any case I should be able to put the original cans back on so might be back on the road tomorrow.
I've notified my insurance company as information only and been reassured that if she does make a claim against me they will contact me as I've stated that I'm not accepting liability.
Does this image from google photos work for anyone but me?
I've got new levers coming tomorrow and have contacted Scorpion about the exhaust brackets but, in any case I should be able to put the original cans back on so might be back on the road tomorrow.
I've notified my insurance company as information only and been reassured that if she does make a claim against me they will contact me as I've stated that I'm not accepting liability.
cbmotorsport said:
I might be wrong, but I don't see this as your fault...from an insurance point of view anyway.
She has a responsibility to ensure it is safe to move across the lane.
Anyone else?
yepShe has a responsibility to ensure it is safe to move across the lane.
Anyone else?
Only other filtering accident I personally know of was a friend who pulled out of a junction past queuing traffic and hit a bike filtering. Went 100% against him.
Just to add - If I were you I'd call the other persons insurer, tell them that you want them to accept full liability, have a sensible amount that you want for damages and if it is paid to you quickly you won't need a hire bike.
It is in their interest to sort this out quickly and cheaply. Your insurance company may drag this out if they act on your behalf.
Worked well for me.
Edited by Donbot on Friday 24th August 14:29
cbmotorsport said:
I might be wrong, but I don't see this as your fault...from an insurance point of view anyway.
She has a responsibility to ensure it is safe to move across the lane.
Anyone else?
Most filtering accidents start off at 50/50, unless its proven one party were obviously breaking other rules of the road as well e.g. someone doing a U turn without warning in front of you.She has a responsibility to ensure it is safe to move across the lane.
Anyone else?
White Dalton Solicitors have some good examples https://www.whitedalton.co.uk/motorbike-blog/2017/...
bogie said:
Most filtering accidents start off at 50/50, unless its proven one party were obviously breaking other rules of the road as well e.g. someone doing a U turn without warning in front of you.
White Dalton Solicitors have some good examples https://www.whitedalton.co.uk/motorbike-blog/2017/...
I guess it must have gone against my friend as it was clear to the left and he pulled straight out. If that is what she did then it should work in your favour. White Dalton Solicitors have some good examples https://www.whitedalton.co.uk/motorbike-blog/2017/...
SAS Tom said:
Donbot said:
sc0tt said:
5 minutes? What was the insurance company?
Admiral iirc
t.Did they they teleport an assessor and the underwriter to the scene whilst you were on the phone?
They didn't even ask for proof of the damage. They just turned up to collect it a week or so later.
Edited by Donbot on Friday 24th August 15:41
My understanding is that it is 100% the other drivers fault - I thought the Highway Code says something like when pulling out into a road you should make sure it is clear, paying particular attention cyclists and motorbikes etc who may be obscured, or something like that?
Sounds to me that she drove into a bit of road whilst looking the other way - what if a child had been crossing the road whilst she was looking to her left, would it have been half the child's fault?
Sounds to me that she drove into a bit of road whilst looking the other way - what if a child had been crossing the road whilst she was looking to her left, would it have been half the child's fault?
LemonParty said:
My understanding is that it is 100% the other drivers fault - I thought the Highway Code says something like when pulling out into a road you should make sure it is clear, paying particular attention cyclists and motorbikes etc who may be obscured, or something like that?
Sounds to me that she drove into a bit of road whilst looking the other way - what if a child had been crossing the road whilst she was looking to her left, would it have been half the child's fault?
It’s stuff like this that people post with authority that is total crap and a heightens the sense of entitlement that many seem to have when on a motorbike. The Highway Code also says Sounds to me that she drove into a bit of road whilst looking the other way - what if a child had been crossing the road whilst she was looking to her left, would it have been half the child's fault?
The Highway Code said:
Rule 88
Manoeuvring. You should be aware of what is behind and to the sides before manoeuvring. Look behind you; use mirrors if they are fitted. When in traffic queues look out for pedestrians crossing between vehicles and vehicles emerging from junctions or changing lanes. Position yourself so that drivers in front can see you in their mirrors. Additionally, when filtering in slow-moving traffic, take care and keep your speed low
Which effectively says to all roadusers you are responsible for your own safety and that of others, so take car. Manoeuvring. You should be aware of what is behind and to the sides before manoeuvring. Look behind you; use mirrors if they are fitted. When in traffic queues look out for pedestrians crossing between vehicles and vehicles emerging from junctions or changing lanes. Position yourself so that drivers in front can see you in their mirrors. Additionally, when filtering in slow-moving traffic, take care and keep your speed low
TwoStrokeNut said:
How is the damage to her car?
It sounds like it could be beneficial to not put this through the insurance and pay for the damage yourselves, if it's not too late.
Having a claim will cost you on insurance renewals for a fair few years, even if you don't have much NCB.
More crap. Your premiums might go, up, down or stay still after any claim. Nobody can say for definite what will happen and this is just garbage advice. It sounds like it could be beneficial to not put this through the insurance and pay for the damage yourselves, if it's not too late.
Having a claim will cost you on insurance renewals for a fair few years, even if you don't have much NCB.
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