Gotta get myself a permanently fixed camera soon. Got one in the van, overrides ANY witness statement
I had one installed in my Tiger 3 days before I walked into the Duc showroom and fell in love and flashed the CC. But not got one on the multi yet. Hope the OP is on the mend. These this happen all too regularly.
Hi guys just an update,as i have never claimed in my life and i am 50 please can someone tell me if this is the normal procedure for a claim. Got rear ended on 27 Sept i have a witness not my fault call MCE told me it's fine he's at fault,two days later the third party deni liability MCE calls me to say i must now claim off my insurance. So i asked why they are not fighting my case there my bloody insurance.MCE say it must go to solicitors to attribute liability" WHY" that's the reason we have insurance. Well as of today MCE has not yet authorised the repairs how long do you normally have to wait,good job i have a car. cheers guys
Its always the case. With 3PFT, you have to wait for the solicitors to be involved, decide whose paying the bill, then carry out the work. With fully comp, you have the option of claiming off your own insurance first. Then when the solicitors slug it out, if in your favour, they will claim off the other party in full which negates your initial claim. Yes, it is that tedious. Most insurers seem to have a collusion going on. Even the most barn door cases when the other driver admit liability, their insurance company will still go through their solicitors, jacking up the total payout, trebles all round; except us the policy holders who face ever increasing premiums. Now you know why they encourage you to get legal cover. If you have legal cover, you will use it. The key thing is to leave the bike with a good dealership. You don't have to use what the insurers want, whcih is some kind of butcher shop that do eevrything from cars, to trucks to bikes. Can't remember the name. Yea, fat chance they get their crummy fingers on my Duc! I don't care they repair Ferraris! But your dealer must have the swaggar to deal with the insurers though. Basically they keep the evidence and vouch it is untempered. Both sides will come to inspect the damage and slug it out with the dealer/repairer the cost of repair. Fully comp, you have lots of leverage. The engineers are supposedly independent. So if they agree on the repair, its deemed as fair. Between the two insurers' legal team, its about deciding liability. Not cost. Claiming one penny and a million makes little difference to the legal arguments. Its about the share of liability between two parties. Its harrowing. If you are confident, take a punt on claiming from your own insurers to get the work done. And then have faith the case will go through in your favour completely. Otherwise, you have to wait for them to slug it out. Can take up to 6 months or more as I recall, depending on merits of case.
In post #6 above I offered you some advice. You are of course under no obligation whatever to follow it. Feel free to ignore advice, and learn by bitter experience instead if that's your preference. Good luck with your claim!
Well had to claim on my policy for now until the third admit liability,bearing in mind my bike literally got knocked over and slid may be 2 or 3 meters,it's now been deemed a total loss and to my amazement parts alone come to £9000. The first offer so far from my insurance is £12500 and of course no was the answer to that one. Lets see what comes next.
I thought most rear-enders were almost always the following drivers fault. They should have kept an appropriate stopping distance. If MCE can't get at least 50% blame on them, then they're useless.
OP said he got hit on the side, not rear ended. Wife had very similar situation (no not rear ended!!) when car on inner lane of roundabout and her car, outer lane of roundabout collided. She was heading for second exit. The car decided to change exit of roundabout from 3 to 2. Insurance ended up 50:50 as the other party said they hadn't changed exit and wife had cut across. Considering the front of her car hit the rear door of his she would have needed to drive in to him! Loads of arguing with insurance but life is too short. Offer of £12.5K. Is that for bike? What model, what was excess? If it's a base model DVT then that's about right. Injuries should be more but that sounds like a different discussion with your insurance.
Having been to the quacks yesterday after an off in late Spetember, id suggest you go and get a secondary xray in a week or so’s time. Seems that breaks, especially in joints. don’t always show up at first and I’m going to need my hand which I was previously advised wasn’t broken, re-breaking in the new year where its not healed correctly. Glad you’re relatively ok though, bikes can always be fixed (shame the amount of dickheads on the road cant), GWS
