Accident Advice Required Please

[Motorcyclesrule1]

Hi People,

I was knocked off my motorbike yesterday morning, by a car pulling out in front of me at a junction. No major injuries, bruising etc, was travelling around 20mph due to traffic, thank God.. Car driver has accepted blaim, and his insurance company called and left a voicemail confirming this.

Is this normal for other parties insurance to call you? Plus, they offered me one of their motorbikes, free, until mine was fixed?

I have been offered one from my insurance company, but, I guess they would charge the third party involved? Should I accept the offer from other insurance, getting written conformation I will not be charged?And would I need to tell my company about this?

Thanks in advance..

[Motorcyclesrule1]

blame... I mean blame!!

 

[husoi]

I would ask my insurance company who they want you to deal with.

If the other driver's insurer want to deal with you directly it means they are trying to save admin payments to your insurer.

Maybe you can get something out of them if you deal with the other insurer.

[Motorcyclesrule1]

Thanks, can understand them not wanting to pay a stupid amount of money for a bike from mine...

[Mississippi Bullfrog]

I had a lady ran into me years ago. By the time I got home her insurance was on the phone saying she'd accepted responsibility and offered to take care of everything. 

 

I informed our insurers but did everything through hers. It worked out ok. 

 

My wife has had two trucks run into her over the past three years. Both times I sorted it out with their insurance and didn't get mine involved. Again, everything worked out fine. 

 

[Stu]

There is no need to involve your insurance company if you don't have to! 

 

I would deal direct with them making sure you get everything in writing 

 

or instruct a solicitor to act on your behalf 

[Bender]

It's cheaper for them to help you rather than your insurance using a 3rd party company and charging them way over the odds

[fastbob]

On 26/05/2022 at 08:56, Motorcyclesrule1 said:

blame... I mean blame!!

 

You can edit your posts . Click on the three dots . 

[Mississippi Bullfrog]

7 hours ago, fastbob said:

You can edit your posts . Click on the three dots . 

I think the edit facility expires after a short while, so if you spot a mistake in a post after that period you can't edit it. Something to do with people being silly in the past. 

[Ian Frog]

On 26/05/2022 at 19:39, Stu said:

There is no need to involve your insurance company if you don't have to! 

 

I would deal direct with them making sure you get everything in writing 

 

or instruct a solicitor to act on your behalf 

@Stu is totally correct ! Do not involve your insurance if you don`t have to but don`t trust theirs so record everything and if they become involved trust your insurer even less !

Cheers

Ian

[Motorcyclesrule1]

Thanks People , appreciate it

[Steve_M]

If you’re absolutely confident that you have the knowledge and experience to deal with a claim in full, keeping appropriate records and being sure the other insurer will update the MID correctly then, sure, don’t go through your insurers. Personally I would always go through my insurers but as someone who worked for Aviva (and worked with the Claims / Complaints / Fraud and  Liability areas at one time or another) I bow to their greater experience. 

[Motorcyclesrule1]

Thanks Steve

[exportmanuk]

Be careful about accepting a hire bike. you should read this before you agree  https://www.whitedalton.co.uk/motorbike-blog/2022/05/do-i-have-to-pay-for-a-hire-bike-i-didnt-even-want/

 

[Throttled]

On 26/05/2022 at 15:28, Mississippi Bullfrog said:

...

 

My wife has had two trucks run into her over the past three years. ...

 

 

[Fozzie]

I dealt with direct when a post office van pulled out on me, I swerved and avoided (ending up on the wrong side of the road), and then he decided to U-turn and this knocked me off. The insurance initially tried to not take blame, but I gave them the police case number, which included the witness accounts and they were very quick to then take blame and offer to do everything direct. 

 

I made them a fair offer, I told them I'd done research and had a good idea of what I could claim for, and for how much, so as long as they treated me fairly I would leave my insurance/solicitors out of it. And I got a good settlement for the cost of the bike and all of my gear. I was sat in front of their chosen doctor, no long term damage, and I didn't play anything up, but I got a small chunk for the scarring up my back (I tumbled, but went into a curb at an angle and it pulled my jacket up and put a gash up my back). 

 

So there is a benefit to doing it direct. 

 

As a side note, no future insurer could pick up on their system that I'd ever been involved in that accident. At the time, I thought I could just tell my insurer when it was all done and dusted before my renewal. When I did, the chap on the phone did a search on the shared insurance database and found no record of it. Royal mail hadn't bothered recording the incident. Be wary of this, as my insurer put a note on my file, explaining I'd declared an incident, but no record could be found.