Rear-ended!

[maggot]

My first proper encounter with a car vs bike situation today. The gist of it is that I stopped to give way and the bloke behind me didn't :facepalm:
No damage to myself, but the bike'll need a bit of fixing. Bent brake lever, bent clip on, fairing and mirror mount damage, exhaust cover scratched..
Already started the insurance process, just got a few questions..

-Recommendations for a decent shop that'll do the damage assessment and repair?
-What are my chances of getting a 'courtesy' bike? My bikes my only form of transport and need it to get to work and back, so something to get around on is essential..
-Am I alright to ride it in the meantime til I can get it to a shop?
-What kind of rough time period should I expect for repairs and getting back on the road?

It's all pretty terrible timing cos I've got semester break in a week and wanted to book my restricted in the time off.. Ah well, I'm still in one piece!

[PrincessBandit]

It's all pretty terrible timing cos I've got semester break in a week and wanted to book my restricted in the time off.. Ah well, I'm still in one piece!

Good you can still see the good in it; and in light of a few incidents involving bikes lately the fact that you've come out of it ok is not to be sneezed at.
Hope all goes well with the insurance side of things; any chance you can borrow a bike to sit your R?

[maggot]

Had a chat with the guy and the situations changed a wee bit, he's wanting to settle privately, since he doesn't have insurance and wants to keep as low as possible. Which is fair enough.
He's asked me to go grab a couple of quotes from some shops for repairs and he'll pay out. Alot quicker than having to wade through insurance hassles too :yes:

I feel a bit for him though, apparently he's had a quote for the damage to his bumper and bonnet.. at $2600 :gob:

[kilgh]

Yeah, I had a situation like that once with the insurance. Guy wanted to avoid insurance involvement. But I reckon it's better protection if you report it to the company just in case this driver decides not to be cooperative anymore. It's just a phone call and no hassle. I choose the most reasonably priced repairer for my guy too. So it all worked out fine But not worth the risk not involving your insurance. It's what you pay them for!

[maggot]

Yeah, I had a situation like that once with the insurance. Guy wanted to avoid insurance involvement. But I reckon it's better protection if you report it to the company just in case this driver decides not to be cooperative anymore. It's just a phone call and no hassle. I choose the most reasonably priced repairer for my guy too. So it all worked out fine But not worth the risk not involving your insurance. It's what you pay them for!

Yeah I've already got them involved, but I'll just cancel the claim. I trust the guy at this stage, he's a 66 year old professor at my uni, so if he decides not to co-operate it won't be favorable for him :innocent:

[kilgh]

Okay, at least he's easily found!

[St_Gabriel]

Your fully insured, he isnt, thats his choice/problem. Get the insurance to sort it and when your getting your quotes, ask about the chance of a loaner, keep getting quotes until you find 3 that have loaners (if any even have loaners that is) or maybe ask the insurance co. about it

[CookMySock]

he's a 66 year old professor at my uni, so if he decides not to co-operate it won't be favorable for him :innocent:Nice to have the boot on the right foot for a once in a while. ;)

[cheshirecat]

You will also need to report the accident to Police - as a matter of law. Whether they take action is a matter for them. The may just note it if is your wish, either way it has to be registered.

Also take stock of any physical injuries no matter how slight. Get these registered at a doctors. if you get some form of ligament or muscle damage months later you may need to make an ACC claim.

Hope it all come right

[CookMySock]

You will also need to report the accident to Police - as a matter of law. Not quite. That is not a matter of law - it is a matter of statute. You can choose to not consent to any of the "other courts" trying to enforce a rule on a matter of statute, but you are unable to do that on a matter of <a href="http://en.wikipedia.org/wiki/Common_law">law.</a>

[baptist]

Yeah I've already got them involved, but I'll just cancel the claim. I trust the guy at this stage, he's a 66 year old professor at my uni, so if he decides not to co-operate it won't be favorable for him :innocent:

Ummmmm, does he mark any of your papers......:innocent::whistle:

Glad you are ok, that's the main thing.

[Squiggles]

Bugger! Oracle had the same thing happen when she was on her fxr...

[darkone]

Be warned, if things go pear shaped once any repair work is done or money has changed hands your insurance co won't get involved. You'll be left chasing any shortfall privately.

Speaking from personal experience here.

[cheshirecat]

Not quite. That is not a matter of law - it is a matter of statute. You can choose to not consent to any of the "other courts" trying to enforce a rule on a matter of statute, but you are unable to do that on a matter of law. (http://en.wikipedia.org/wiki/Common_law)

What exactly are your experience and qualifications on this?

[CookMySock]

What exactly are your experience and qualifications on this?"Experience" is currently in progress - watch this space. Qualifications are nil. Words written are opinion based on beliefs. The only part you can absolutely rely upon is that I dont have a hidden agenda - counts for a lot I think. Ie you get to keep both broken parts, no warranty etc.

Anything you read on The Internet is just opinion anyway. It's up to the individual to read and search further on the topic and make their own "truth", unless you'd rather just subscribe to mine or someone elses - probably not?

Google keywords; common law jurisdiction consent

I put the word out because I believe in it and I find it freeing, but hey I believe some really dangerous crap, or so people on here tell me. Curiously, it serves me well. What do you believe?

[sinfull]

What exactly are your experience and qualifications on this?
He got scratched once

235967


"Experience" is currently in progress - watch this space. Qualifications are nil. Words written are opinion based on beliefs. ?
So you are saying you don't know but believe he don't have to report it ? Maybe he might want to look futher than a prickly vine !

See you are back giving out stupid advice where perhaps you should move to a sunnier country where icecreams are sold in all weather

[Paul in NZ]

Your fully insured, he isnt, thats his choice/problem. Get the insurance to sort it and when your getting your quotes, ask about the chance of a loaner, keep getting quotes until you find 3 that have loaners (if any even have loaners that is) or maybe ask the insurance co. about it

I agree, lack of insurance is his issue. If you can help at zero cost to you or if he is likely to influence your grades its up to you but I wouldnt go too far out of my way as you will get the run around....

[cheshirecat]

"Experience" is currently in progress - watch this space. Qualifications are nil. Words written are opinion based on beliefs. The only part you can absolutely rely upon is that I dont have a hidden agenda - counts for a lot I think. Ie you get to keep both broken parts, no warranty etc.

Anything you read on The Internet is just opinion anyway. It's up to the individual to read and search further on the topic and make their own "truth", unless you'd rather just subscribe to mine or someone elses - probably not?

Google keywords; common law jurisdiction consent

I put the word out because I believe in it and I find it freeing, but hey I believe some really dangerous crap, or so people on here tell me. Curiously, it serves me well. What do you believe?

Well you're honest about it - which sort of counts in my 2cts. What do I believe in? Freedom but in the context of Satre - ie freedom is in the journey

[Hiflyer]

Had a chat with the guy and the situations changed a wee bit, he's wanting to settle privately, since he doesn't have insurance and wants to keep as low as possible. Which is fair enough.
He's asked me to go grab a couple of quotes from some shops for repairs and he'll pay out. Alot quicker than having to wade through insurance hassles too :yes:

I feel a bit for him though, apparently he's had a quote for the damage to his bumper and bonnet.. at $2600 :gob:

Go through insurance man, if you've got all his details, your insurance co will be able to claim your excess back and refund it to you, all the work they do on your bike (Provided you go to one of their selected repairers) will be guaranteed and as I said if they refund your excess, your no claims discount wont be affected.

And the guy will probably find paying your excess will most likely be way cheaper than paying the repairs.

And DON'T let them charge you an additional age excess, your age and riding ability does not factor into how the damage occured so you shouldn't be penalised.

[nzmikey]

You will also need to report the accident to Police - as a matter of law. Whether they take action is a matter for them. The may just note it if is your wish, either way it has to be registered.

Also take stock of any physical injuries no matter how slight. Get these registered at a doctors. if you get some form of ligament or muscle damage months later you may need to make an ACC claim.

Hope it all come right

Check the link http://www.nzta.govt.nz/resources/roadcode/about-driver-responsibility/crashes.html under the heading "Reporting a crash"

That should clear it up for ya

[cheshirecat]

Check the link http://www.nzta.govt.nz/resources/roadcode/about-driver-responsibility/crashes.html under the heading "Reporting a crash"

That should clear it up for ya

Ta - should have done that at first but that road code is really annoying with it's patronising, condensending, badly written, ill thought out, illogical, woolly thinking, 1960s dated, insular, (Have I left anythng out) . . . . so don't go there unless I have to.

[St_Gabriel]

And the guy will probably find paying your excess will most likely be way cheaper than paying the repairs.


You do realize that the insurance company will pursue the at fault party for all costs involved, not just to pay his excess.
:laugh:

[Hiflyer]

You do realize that the insurance company will pursue the at fault party for all costs involved, not just to pay his excess.
:laugh:

Yea re thought that but never got around to editing it.

I work for an insurance comapny you see.

But don't tar us all with the same brush, I'm not the one who declines your claims haha

[DR650gary]

Your insurance company is unlikely to charge you an excess as you will be declaring the party responsible. Only go to a repairer that can/will lend you transport (car or bike), the insurance company will pursue the other driver but only for indemnity (current value) not full replacement and any cost of a courtesy vehicle will not be part of that settlement. They will also allow him time to pay. You would be very unwise to do this privately as you will have no comeback if the repair is substandard or fails in the reasonable future.

I am a broker and do know what I am talking about, unlike another:yes:

You will also get a more speedy result. If you need to hire a bike for your test, that cost may be recoverable from the third party that hit you. Ask your claims handler.

Good luck.

[MarkH]

Qualifications are nil. Words written are opinion based on beliefs. The only part you can absolutely rely upon is that I dont have a hidden agenda

You accidentally spelt bullshit as 'beliefs' and clue as 'hidden agenda'. It makes more sense if it is fixed like so:

Qualifications are nil. Words written are opinion based on bullshit. The only part you can absolutely rely upon is that I dont have a clue


Your idea that the government of this country doesn't have the right to establish law is laughable and at the very least you should refrain from giving legal advice on a public forum. Seriously.