Insuracne Claims !!!!!!!!!!! - Page 2

14-07-2004, 02:22 PM

Forgot to add; I am fully comp with Ducati insurance, they sorted the bike out no probs, replaced one of the high level cans and all the carbon bits without hesitation.

They also put me in touch with a legal firm for those all important non insured bits, lid, leathers etc.

Finally, on the health front I was incredibly sore for a fortnight, and had a relapse after a month which the medics put down to delayed shock.

Take it easy mate.

14-07-2004, 02:24 PM

Oh dear, insurance wise at least you were in a shoei and not a blue visored simpson. As regards the potential bends would it need to be a ducati place for an assesment? MCN classified has plenty of frame/ fork specialists.
good luck.

14-07-2004, 02:32 PM

Pete
Sorry to hear about the collision.
Hopefully the police will take action and the errant driver will get points and a fine.

Over the years I have had many off's (fortunately only on pushbikes). You should not underestimate the extent of the physical and psychological damage that you have suffered and how it may affect you in the future. If you havent already done it contact a good personal injury lawyer.

14-07-2004, 07:38 PM

well as it turns out.. i took ou that legal cover bit when i got insurance, it seems i am entitled to a hire car......... it will cost me but only Â£1.50 a day !!!!!! plus they will take up the claim for loss of earnings, lid leathers and sidis...............and to anyone wanting new boots.......... the sidi vert is excellent............. the side spine saved my ankle.......... boots a mess but my ankle is not even bruised............. great boot................ so i seem to be covered at moment............. but thanks to all............. just a waiting game now............... and at the wrong fecking time of year

Albie · 14-07-2004, 08:34 PM

HI Pete
Sorry about your news. I responded in disbelief last nite but maybe you were busy. Hope your ok and it seems you got it all in hand. Take care my friend and have a rest.

14-07-2004, 08:40 PM

thanks albie........... i start stripping her down tomorrow.......... dont think it will go in my favour it the insurance man see's my carbon termigs............. also taking all fancy trick race or carbon bits off incase the frames bent and its a write off.............. cos i'll never see it again and lose them all.............. lucky for me i have the standard parts to

14-07-2004, 09:04 PM

Quote:

Originally Posted by peteS4

i'm really not making this up, but due to the fact i'm a well built stocky lad its taken a while for the aches to come through........... as i'm sat here my necks starting to feel an ache.............. will get it looked at, think its only muscle but will have it all noted. off to hossie in a min................. back on tonight. thanks all

Pete,
real sorry to hear about the off - and very glad you don't appear to be too
badly hurt...

Re the aches taking time to come through - sounds normal. While I thankfully havn't had any offs of any note (since my MX days anyway) I've had a couple of big crunches in cars.... In both cases, on the day of the event I just felt a bit knocked about. The next day things got much, much worse, and I suddenly realised how banged up I was. The same was true of my wife who was with me in the second crunch...

As a result of the second crunch I got some compensation for neck injuries -
needed a trip to the hospital for an examination (paid for by the third party
insurers I guess ?) but it was worth it. If you got a neck injury it can give
you grief for a long time - I had neck ache for probably a year after no 2 !

Another point, which doesn't seem to be the norm, but you never know...
When my bike got knocked over in a car park last year the third party admitted liability, phoned his insurance company (saga) and they sent me a
letter saying that as their driver had admitted it was his fault, I could deal
directly with them. They supplied a hire bike, and to be perfectly honest couldn't have done any more, and paid up direct to the dealer who repaired
the bike (I insisted on an authorised Ducati dealer (specialised bike and all that) and also that I would not accept repaired items like the tank - only a
new one).

Good luck, and hope both you and your bike are 100% real soon !

Cheers,

Pete

14-07-2004, 09:21 PM

Hey poorly man. get well soon. can only second what everyone else has said.

never heard of paying for the hire car cover you already paid for but there you go?!

have you asked your insurance company if you have legal expenses insurance to run your claim? not sure what this rider support thing is - sounds like a legal expenses type scheme for free. if they cover you AND you have LEI then you have options to choose from. I would think rider support may be better if they claim to be bike specialists.

lawyers will want to run your case for you - driver coming out from minor onto major road - nice case. you might get accused of overtaking at the junction (big no no) or speeding or indicating to turn in but accident damage to the car and decent oral evidence from you and any witnesses will avoid any of that with any luck.

As Nik said, don't take first offer. Gather your own evidence as to the value of the bike if it's a write off and don't accept trade value - it's what it would cost you to replace. Quite commonplace nowadays for the defendants isnurance company to offer physio, hire car etc to minimise the claim against their policy. See how you go but i'd seriously recommend some physio in a few weeks. you'll be mitigating your loss so it'll help your claim (albeit it may reduce the award in hte future, believe me, 3 years of whiplash is no fun - get rid asap.)

Give me a pm if you are concerned at all with any of the advice you are getting or if you are getting charged for anything. I'm a solicitor for a Personal Injury firm in Manchester. I specialise in funding and insurance aspects but what i don't know about running your claim, is only sitting in the office next door.

mention 'diminution of value' as a question mark for your bike. it's included in claims for high value cars - eg, porsche or something like that - the reduction in value due to it having been in a crash. it's not included in lower value or older vehicles. I would think it is relevant to older bikes compared to cars cos it would be more of a concern to a buyer if a 2 wheeled vehicle has had a run in with a car.

hope you heal soon

14-07-2004, 09:24 PM

by the way - anyone else get hit by anyone any time soon and can get up afterwards to ask questions. if they stop, try and SEE some id cos people give fake info. GET WITNESSES cos they disappear quick and you never know if it'll be disputed, even if hte other side admit fault at the time. and the classic tip (which i am currently not following -oops) is to have a throwaway camera in the car at all times. of course, on the bike you'll have your david bailey digicam for shots of scenery and other bikes.

14-07-2004, 08:34 PM	#20
Albie Fanactical volunteer Join Date: Oct 2003 Location: Kent Bike: M900 Posts: 9,030	HI Pete Sorry about your news. I responded in disbelief last nite but maybe you were busy. Hope your ok and it seems you got it all in hand. Take care my friend and have a rest. __________________ http://albies93m900.blogspot.co.uk/

14-07-2004, 02:22 PM	#16
Runningman Guest Posts: n/a	Forgot to add; I am fully comp with Ducati insurance, they sorted the bike out no probs, replaced one of the high level cans and all the carbon bits without hesitation. They also put me in touch with a legal firm for those all important non insured bits, lid, leathers etc. Finally, on the health front I was incredibly sore for a fortnight, and had a relapse after a month which the medics put down to delayed shock. Take it easy mate.

14-07-2004, 02:24 PM	#17
A Yerbury Guest Posts: n/a	Oh dear, insurance wise at least you were in a shoei and not a blue visored simpson. As regards the potential bends would it need to be a ducati place for an assesment? MCN classified has plenty of frame/ fork specialists. good luck.

14-07-2004, 02:32 PM	#18
slug Guest Posts: n/a	Pete Sorry to hear about the collision. Hopefully the police will take action and the errant driver will get points and a fine. Over the years I have had many off's (fortunately only on pushbikes). You should not underestimate the extent of the physical and psychological damage that you have suffered and how it may affect you in the future. If you havent already done it contact a good personal injury lawyer.

14-07-2004, 07:38 PM	#19
peteS4 Guest Posts: n/a	well as it turns out.. i took ou that legal cover bit when i got insurance, it seems i am entitled to a hire car......... it will cost me but only Â£1.50 a day !!!!!! plus they will take up the claim for loss of earnings, lid leathers and sidis...............and to anyone wanting new boots.......... the sidi vert is excellent............. the side spine saved my ankle.......... boots a mess but my ankle is not even bruised............. great boot................ so i seem to be covered at moment............. but thanks to all............. just a waiting game now............... and at the wrong fecking time of year

14-07-2004, 08:40 PM	#21
peteS4 Guest Posts: n/a	thanks albie........... i start stripping her down tomorrow.......... dont think it will go in my favour it the insurance man see's my carbon termigs............. also taking all fancy trick race or carbon bits off incase the frames bent and its a write off.............. cos i'll never see it again and lose them all.............. lucky for me i have the standard parts to

14-07-2004, 09:21 PM	#23
Little Monster Guest Posts: n/a	Hey poorly man. get well soon. can only second what everyone else has said. never heard of paying for the hire car cover you already paid for but there you go?! have you asked your insurance company if you have legal expenses insurance to run your claim? not sure what this rider support thing is - sounds like a legal expenses type scheme for free. if they cover you AND you have LEI then you have options to choose from. I would think rider support may be better if they claim to be bike specialists. lawyers will want to run your case for you - driver coming out from minor onto major road - nice case. you might get accused of overtaking at the junction (big no no) or speeding or indicating to turn in but accident damage to the car and decent oral evidence from you and any witnesses will avoid any of that with any luck. As Nik said, don't take first offer. Gather your own evidence as to the value of the bike if it's a write off and don't accept trade value - it's what it would cost you to replace. Quite commonplace nowadays for the defendants isnurance company to offer physio, hire car etc to minimise the claim against their policy. See how you go but i'd seriously recommend some physio in a few weeks. you'll be mitigating your loss so it'll help your claim (albeit it may reduce the award in hte future, believe me, 3 years of whiplash is no fun - get rid asap.) Give me a pm if you are concerned at all with any of the advice you are getting or if you are getting charged for anything. I'm a solicitor for a Personal Injury firm in Manchester. I specialise in funding and insurance aspects but what i don't know about running your claim, is only sitting in the office next door. mention 'diminution of value' as a question mark for your bike. it's included in claims for high value cars - eg, porsche or something like that - the reduction in value due to it having been in a crash. it's not included in lower value or older vehicles. I would think it is relevant to older bikes compared to cars cos it would be more of a concern to a buyer if a 2 wheeled vehicle has had a run in with a car. hope you heal soon

14-07-2004, 09:24 PM	#24
Little Monster Guest Posts: n/a	by the way - anyone else get hit by anyone any time soon and can get up afterwards to ask questions. if they stop, try and SEE some id cos people give fake info. GET WITNESSES cos they disappear quick and you never know if it'll be disputed, even if hte other side admit fault at the time. and the classic tip (which i am currently not following -oops) is to have a throwaway camera in the car at all times. of course, on the bike you'll have your david bailey digicam for shots of scenery and other bikes.