Insurance claim question
Discussion
I was sitting at a roundabout, waiting to turn left, when the car behind drove into the rear of my bike. Damage is minimal, my plastic mudguard is cracked and number plate smashed. Can't see anything else wrong. Another biker stopped as a witness
The driver was a bit evasive, denied responsibility, said my bike looked fine(!), didn't give me his insurance details. But it seems he is insured. I've notified my insurer (I'm TPFT). Now waiting for an assessor to come and see the bike. It's still rideable though.
The other driver keeps trying to ring me now. He left me one message on my phone. In return I left him a message saying my insurance company is dealing with it.
So my question is, should I now ignore his calls? Given his elusiveness in the flesh, I don't want to get into any dispute, or discussions about cash settlements, etc.
Any other advice welcome!
The driver was a bit evasive, denied responsibility, said my bike looked fine(!), didn't give me his insurance details. But it seems he is insured. I've notified my insurer (I'm TPFT). Now waiting for an assessor to come and see the bike. It's still rideable though.
The other driver keeps trying to ring me now. He left me one message on my phone. In return I left him a message saying my insurance company is dealing with it.
So my question is, should I now ignore his calls? Given his elusiveness in the flesh, I don't want to get into any dispute, or discussions about cash settlements, etc.
Any other advice welcome!
Personally, if it really was minor damage and I was at fault then I would just accept cash to fix it as it would be cheaper for everyone (as non-fault incidents can lead to higher premiums anyway).
However now you have told your insurer, you should go with your insurer to sort it. If you don't then now that they know about it anyway, then it will likely otherwise be an unresolved incident on your file which may increase your premiums even more than a non-fault incident.
However now you have told your insurer, you should go with your insurer to sort it. If you don't then now that they know about it anyway, then it will likely otherwise be an unresolved incident on your file which may increase your premiums even more than a non-fault incident.
Thanks chaps. As I thought, I'll let the insurer deal with it. Cash deal with him isn't really appealing, as I didn't trust him as far as I could throw him.
He said he didn't know how it had happened, as he didn't even move his car! I pointed out that it's not possible to reverse a motorbike fast enough to leave it embedded in a car (the bike was standing up of its own accord, still attached to his bumper). Wouldn't want him coming back and claiming against me for his damage...
He said he didn't know how it had happened, as he didn't even move his car! I pointed out that it's not possible to reverse a motorbike fast enough to leave it embedded in a car (the bike was standing up of its own accord, still attached to his bumper). Wouldn't want him coming back and claiming against me for his damage...
Yeah if he'd been less dodgy and said something like you did moanthebairns, then I'd have been more open to the idea.
p.s. creampuff, no my back is ok thanks! I've been through that before when I was knocked off my speed triple and actually did hurt my neck. Can't be arsed trying to pull a fast one.
p.s. creampuff, no my back is ok thanks! I've been through that before when I was knocked off my speed triple and actually did hurt my neck. Can't be arsed trying to pull a fast one.
LoonR1 said:
Really and what will they do? They won't pay for his repairs. They will simply pursue the other side for him when he pays for it out of his own pocket.
Right so his insurer will pass him onto whichever company the use and they will do all the dealing with the TP who crashed into him and refund him the cost of repairs..blue said:
Right so his insurer will pass him onto whichever company the use and they will do all the dealing with the TP who crashed into him and refund him the cost of repairs.
Why will they do that when there is no cover? They might do it to get a referral feebbut he may as well be claiming on his life cover as there's no cover for his own damage under his motor policy. Also what does your new suggestion have to do with the legal cover that you referred to earlier?LoonR1 said:
moanthebairns said:
id get quotes, get someone to asses it, send the bill to him.
let him decide
if not go through his insurance.
then again you could be in my situation, 7 odd months later It going through the courts suing for £20,000
£20k? Really? Expect to lose. let him decide
if not go through his insurance.
then again you could be in my situation, 7 odd months later It going through the courts suing for £20,000
I don't expect anywhere near that figure
LoonR1 said:
Why will they do that when there is no cover? They might do it to get a referral feebbut he may as well be claiming on his life cover as there's no cover for his own damage under his motor policy. Also what does your new suggestion have to do with the legal cover that you referred to earlier?
I thought you knew this stuff.OP call's his insurer. They say "haha you're not covered by us"
He says "what about the legal cover I paid £20 for?"
They say: "oh yeah. we will pass on your details to the company that provides the legal cover and claim a nice chunky referral fee in the process"
Small wait.
Legal company: "Hello, your insurers passed your details onto us. We will handle communication with the TP's insurer. In the meantime go and get your bike fixed. We'll see if we can recover the costs from the TP('s insurer)."
LoonR1 said:
Hmmmm key word is "recover" that suggests someone has to pay first. Who do you think that will be? Hint. It won't be his insurer or the law firm.
All I'm saying is that his insurer will put him in touch with whoever handles their legal cover (provided OP has this cover) and he does have the option to use them if he wants.So after all that I think we're basically on the same page. Happy days.
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