F#K my life. Another crash. I need your advice.

[Oleg]

FUUUUUUUUCKKKK!!!!!! Just as i got a brand new fairings and a bloody headlight, which i've been hunting for 1.5 years, some very nice lady decided to rear end me. Will make it short:
1. tonight about 7 pm, coming to an intersection during rain. Lots of traffic.
2. Decided not to stay in the line with car, i lanesplit from the right side (as been told on KB many time) straight to the front.
3. at the moment im next to the middle lane next to Nissan Murano. Traffic light is red.
4. Nissan jolts forward, hitting me on the left side, the point of contact is from pillion seat right through my leg and front fairings. The light is still red.
5. This hit makes my drop the bike and roll away.

Pulled it to the curb, the Nissan pulled over as well. She's got insurance and deeply scratched bumper. I got no insurance, decent bruise on the leg and extensive list of broken/cracked/bent stuff on the bike. NOTE: my woof expired 20 days ago.
She said that she will lodge the claim with insurance company tomorrow.
Its first time that i have to deal with insurance claims and etc., so desperately need some advise on what my actions should be. Please help.
What f#ks me off at most, is that i just finished the bike for a track day at puke.....

UPDATE: 1st June - She raised the claim with her insurance, which is Westpac.

[avgas]

It will sound harsh - but will do you good in the long run. We all were at this stage at some point.

- No WOF, no ride. Basically makes you always in the wrong. You wont see it, I don't see it, KB doesn't see it. But in the eyes of a cop and a lawyer.....you should not have been on the road = auto-in-wrong

- Lane splitting is cool and handy if you not going to crash. If you are. Your in the wrong again.

- Never assume that people won't hit you, or run you over. They will and unless you get their attention asap your fucked.

So you pretty fucked. However.

- Claim you only just got the bike back on the road and you were testing things like brakes etc before going to testing station.

- STATE SHE HIT YOU

- STATE THAT YOU WERE RIDING SAFELY AT ALL TIMES

And you might just get away with having to pay for your own repairs.

[jaffaonajappa]

Did she notice your Rego/WOF? They usually dont...

Call her tomorrow, ask what her Excess is.
Add 50 to 100%, and ask her for that figure in cash. - She retains no claims bonus.....you get at least 'something' to help with the repairs.

[Oleg]

Did she notice your Rego/WOF? They usually dont...

Call her tomorrow, ask what her Excess is.
Add 50 to 100%, and ask her for that figure in cash. - She retains no claims bonus.....you get at least 'something' to help with the repairs.

The more i look at whats left, the more it looks like a write off to me. So, by the sound of things I should get rid of my hopes for insurance repair?

[jaffaonajappa]

The more i look at whats left, the more it looks like a write off to me. So, by the sound of things I should get rid of my hopes for insurance repair?

Sorry mate - I know SFA about insurance....wait for tomorrow - bound to be someone around here with an informed bit of advice.,

[Gremlin]

Just watch the insurance company come back to you and claim you were doing something wrong, the driver will have claimed to them that you did something etc... seen it before.

As you don't have insurance, the insurance company will have to deal direct with you. You may need to fill out some forms for them. Did the police attend, and if so, they will come to a conclusion and find a party at fault. This would be extremely handy against the insurance company, as they will most likely try to weasel out of paying...

Be prepared for a few weeks of learning...

[Stormdragon]

I usually stay outta your guys threads since I'm 3000 miles away and working under different laws, but... I can't help myself on this one. :yeah:


Don't mention the WOF, don't mention the split. State that you were legally stopped at a red, and you were hit. If the insurance company asks, admit to the split, and the WOF, but don't offer the info up front. To my mind, neither of those items are factors in what happened.

And get yourself insured and WOF-ed. That pretty much insures you'll never get hit again. Go ahead, ask me how I know. :innocent:

[YellowDog]

Did she notice your Rego/WOF? They usually dont...

Call her tomorrow, ask what her Excess is.
Add 50 to 100%, and ask her for that figure in cash. - She retains no claims bonus.....you get at least 'something' to help with the repairs.

I like this one :yes:

She may well fall for this to save her own insurance premium from rising.

Let's face it, she did do something really stupid. Maybe she was scratching her fanny or answering a cell phone OR something equally stupid that caused her to lurch forward at red lights and she now feels guilt.

May be she was drunk in charge :gob: The point is that she does not know you didn't have a WOF.

I am not sure at what stage anything has to come out about your WOF status?

You are now without a bike and if she doesn't deal with this urgent right away, you will consider involving the Police :rofl:

Good luck, glad you are OK :yes:

[FJRider]

Did she notice your Rego/WOF? They usually dont...



But HER insurance company MAY do ... in fact I'm sure they will ...

[FJRider]

Don't mention the WOF, don't mention the split. State that you were legally stopped at a red, and you were hit. If the insurance company asks, admit to the split, and the WOF, but don't offer the info up front. To my mind, neither of those items are factors in what happened.

And get yourself insured and WOF-ed. That pretty much insures you'll never get hit again. Go ahead, ask me how I know. :innocent:

Most Insurance Co's wont accept claims on un-warranted / rego'd vehicles ...

[oneofsix]

FUUUUUUUUCKKKK!!!!!! Will make it short:
1. tonight about 7 pm, coming to an intersection during rain. Lots of traffic.
2. Decided not to stay in the line with car, i lanesplit from the right side (as been told on KB many time) straight to the front.
3. at the moment im next to the middle lane next to Nissan Murano. Traffic light is red.
4. Nissan jolts forward, hitting me on the left side, the point of contact is from pillion seat right through my leg and front fairings. The light is still red.
5. This hit makes my drop the bike and roll away.
..

Your WOF isn't an issue as it wasn't a failure on the part of your bike.
Her insurance company is likely to sit back and wait for you to lodge a claim on them. If she hasn't also lodge a claim they wont do anything either. Once they have both claims they will start to react. They will wont a quote for repairs from a dealer.
As she only has scratches to her car the previous suggestion of doubling her excess may be an option. Factor in to this that if the insurance fix your bike there will likely be about a month of 'negotiation' before repairs are started or (more likely) the bike is written off and they take away your pride n joy. Also will double her excess be anywhere near what the write off value of your bike would be? What if it only comes to say 1k?
Now the question. If you were beside her now the hell did she jerk forward and hit you? She must have come at an angle? I am assuming this because of your stated reason for splitting, i.e. not being in the line of traffic so you couldn't get rear ended. Sounds like she has some explaining so may be very willing to settle without involving insurance.

[James Deuce]

You guys are funny.

No WoF = fucked.

[Fatt Max]

You guys are funny.

No WoF = fucked.

Thats how I see it. One way or another that will come out unless you make a direct approach and see if she will settle with some cash then she and the bastard insurance companies will never know.

Tough one mate but it is what it is eh

[Latte]

Spoke to my insurer (ami) about this a while ago, if it didn't contribute to the crash it won't affect the claim (ie if the bike was up to standard I'd be fine). Of course when they sniff an opening not to pay a 3rd party, they'll use it against you.

Deal with her 1st, get 2 quotes for the repairs from a bike shop, and ask for the money from her upfront. The insurance company will take over at some point - stick to your guns, you have rights, small claims etc. Better than folding at the 1st instance and walking away with nothing.

[jack_hamma]

You guys are funny.

No WoF = fucked.

Her insurance company will get to this part of the process that you had no WOF and yep...... they will use that and not pay out as your vehicle isnt road legal.

[Ferkletastic]

Ex insurance professional here:

WOF expiry is only an issue if it directly contributes to the loss in some way. The co may try and use it to bluff out of the claim, but legally the only time WOF is an issue if there is something about your vehicle that would preclude it from having a Warrant that caused the loss. Dodgy brakes and you fail to stop in time for example.

So yeah, WOF isn't an issue, don't let the insurer make it one.

The main issue here is the fact that you were lane splitting which isn't strictly legal. However as you were passing a line of stationary vehicles on the right you can claim that you were legally passing in a safe manner.

She will claim you were speeding or not indicating, this is a given (they always always do with bikes), just stick to your guns.

Did you speak to any witnesses to the collision and get details or did the Police attend?

[Jantar]

...
Deal with her 1st, get 2 quotes for the repairs from a bike shop, and ask for the money from her upfront. The insurance company will take over at some point - stick to your guns, you have rights, small claims etc. Better than folding at the 1st instance and walking away with nothing.

As you are not insured this is the best advice on this thtread. Don't deal with here insurance company, deal ONLY with her. She hit your bike, her insurance company didn't. Natuarlly her insurance company will be the ones to pay up in the end, but if you only deal with the driver then her insurance company has less wriggle room to get out of it.

[imdying]

You guys are funny.

No WoF = fucked.Didn't cause me any bother.

Apparently it stopped being an effective tactic when the insurance ombudsman was brought into being.

[Oleg]

Ex insurance professional here:

WOF expiry is only an issue if it directly contributes to the loss in some way. The co may try and use it to bluff out of the claim, but legally the only time WOF is an issue if there is something about your vehicle that would preclude it from having a Warrant that caused the loss. Dodgy brakes and you fail to stop in time for example.

So yeah, WOF isn't an issue, don't let the insurer make it one.

The main issue here is the fact that you were lane splitting which isn't strictly legal. However as you were passing a line of stationary vehicles on the right you can claim that you were legally passing in a safe manner.

She will claim you were speeding or not indicating, this is a given (they always always do with bikes), just stick to your guns.

Did you speak to any witnesses to the collision and get details or did the Police attend?

^this definitely makes me feel better. dint have a chance of grabbing witnesses, as everyone just drove away.
yes, I've passed the stationary traffic.
Yes, she bumped me when the lights were red.
Yes, all gear works on the bike.
Indicator was on.

She just gave me a txt saying that the insurance claim has been raised and i need to call them.
Lawyer told me to get an independent assessment done first, so they don't appoint their own assessor.
Whats my next move? anyone knows people who can do a decent assessment?

[oneofsix]

^this definitely makes me feel better. dint have a chance of grabbing witnesses, as everyone just drove away.
yes, I've passed the stationary traffic.
Yes, she bumped me when the lights were red.
Yes, all gear works on the bike.
Indicator was on.

She just gave me a txt saying that the insurance claim has been raised and i need to call them.
Lawyer told me to get an independent assessment done first, so they don't appoint their own assessor.
Whats my next move? anyone knows people who can do a decent assessment?

Dealers are useful. When my vfr got bowled whilst parked it was the local Honda dealer. The insurance company tried to use digital photos taken by their cage beater but in the end got the dealer to quote it. just helped someone collect a suzuki from the dealer that had been taken there for an insurance quote in similar circumstances to yourself, i.e. hit by an insured vehicle but not insured himself.

[Ferkletastic]

She just gave me a txt saying that the insurance claim has been raised and i need to call them.
Lawyer told me to get an independent assessment done first, so they don't appoint their own assessor.
Whats my next move? anyone knows people who can do a decent assessment?

As above dealers are good for this, get them to quote repair and replacement costs.

[Oscar]

Deal directly with her.
As others have said, get two quotes, send them to her and ask what she's going to do about it. She'll soon et sick of it and forward to her insurer to have summat done.

As others have mentioned:

WOF - not relevant. Insurance Law Reform Act deals with this.
Lane Splitting - also not relevant. You were stopped.

[James Deuce]

Didn't cause me any bother.

Apparently it stopped being an effective tactic when the insurance ombudsman was brought into being.


I wouldn't rely on it working. Insurance Ombudsman ruled against us when my wife forgot to put the handbrake on and the car rolled backwards into a bus breaking its headlight. Our WoF had expired the day before. Nothing wrong with the brakes (They passed WoF) either. No damage to the car. Broke an indicator on the bus. $680 indicator lense apparently.

So despite the experts I'm sticking with my story.

[Scuba_Steve]

I had to deal with insurance recently this is the form I had to fill so expect something similar I would assume
239887
I choose not to fill out bank account details (for good reason too) as I wanted to know what they were trying to give me before getting it, as it turns out that was a good idea as they were trying to offer less than I could replace the bike for let-alone the gear as well, so I told them to come back to me when they have an acceptable offer (which they did) few hours later

also of note they did send round one of their independent assessors but I also had it in at a dealer where it was sitting since the crash as I thought I'd get the ball rolling with someone I choose to check it out 1st

[Crasherfromwayback]

Ex insurance professional here:

WOF expiry is only an issue if it directly contributes to the loss in some way. The co may try and use it to bluff out of the claim, but legally the only time WOF is an issue if there is something about your vehicle that would preclude it from having a Warrant that caused the loss. Dodgy brakes and you fail to stop in time for example.

So yeah, WOF isn't an issue, don't let the insurer make it one.



Wot he says. Besides...you were on your way to get the bike wof checked at the local VTNZ station weren't you! Not having a wof is like no having a licence. Dosen't mean an insurance comapny doesn't have to pay you out if their driver is at fault.

And I sell insurance and deal with insurance companies all day every day mate.

Good luck with everything.

[Crasherfromwayback]

I wouldn't rely on it working. Insurance Ombudsman ruled against us when my wife forgot to put the handbrake on and the car rolled backwards into a bus breaking its headlight. Our WoF had expired the day before. Nothing wrong with the brakes (They passed WoF) either. No damage to the car. Broke an indicator on the bus. $680 indicator lense apparently.

So despite the experts I'm sticking with my story.

Think you'll find that was because your wife was at fault and the car she was in charge of had no wof. Be different if the bus had rear ended her.

[imdying]

I wouldn't rely on it working. Insurance Ombudsman ruled against us when my wife forgot to put the handbrake on and the car rolled backwards into a bus breaking its headlight. Our WoF had expired the day before. Nothing wrong with the brakes (They passed WoF) either. No damage to the car. Broke an indicator on the bus. $680 indicator lense apparently.

So despite the experts I'm sticking with my story.Your wife was at fault, what did you expect? :facepalm:

[allycatz]

Wot he says. Besides...you were on your way to get the bike wof checked at the local VTNZ station weren't you!...

At 7pm at night???

[Crasherfromwayback]

At 7pm at night???

What...they don't do a late night?:innocent:

[pritch]

In my experience insurance companies will use any clause available to them to avoid paying. Since you don't have insurance her company will likely make things difficult for you.

I once had an old car, insurance was fire theft and third party only, it got hit by a truck while parked. Not major but... The claims guy at the truck's insurance compnay was just stonewalling, I couldn't get him to do anything. Until I mentioned that the fleet vehicles where I worked, a bigger concern than the trucking company, were insured with his company. Then it was "OK mate the cheque will be in the post tonight."

[pzkpfw]

Your wife was at fault, what did you expect? :facepalm:

I'd guess he was trying to claim off his own insurance; not the busses.

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

[imdying]

In my experience insurance companies will use any clause available to them to avoid paying. Since you don't have insurance her company will likely make things difficult for you.They can try, but his beef isn't with them. In my experience even 'non English speakers' (yeah right) understand what being served with Disputes Tribunal papers means, and are quick to pay ;)

[Oscar]

I wouldn't rely on it working. Insurance Ombudsman ruled against us when my wife forgot to put the handbrake on and the car rolled backwards into a bus breaking its headlight. Our WoF had expired the day before. Nothing wrong with the brakes (They passed WoF) either. No damage to the car. Broke an indicator on the bus. $680 indicator lense apparently.

So despite the experts I'm sticking with my story.

I don't understand.
The existence (or otherwise) of the WOF is irrelevant in terms of liability.‎
Your Good Lady was at fault, unfortunately. ‎

[Crasherfromwayback]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

Yep. That's what it's for.

[pzkpfw]

Yep. That's what it's for.

Exactly. Thus the forgotten handbrake ("her fault") can't have been the only issue in Jim2's case.

[Crasherfromwayback]

Exactly. Thus the forgotten handbrake ("her fault") can't have been the only issue in Jim2's case.

Correct. She was using a car that didn't have a current wof AND was at fault. Very different.

[Crasherfromwayback]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?

I'll re phrase it. Yes, but not if your bike doesn't have a current wof. But if your bike is sitting at an intersection, without a wof...and a driver of another vehicle hits you, their insurance will still pay to repair your bike!

[imdying]

If you ride off a corner on your bike, and have full cover, do you expect your insurance to pay, or say "your fault for going too fast"?If they can prove "too fast", then they're not going to pay... I haven't studied my current policy, but I assume it excludes things like negligence, and anything that can be proven as careless driving.

[Oleg]

Wot he says. Besides...you were on your way to get the bike wof checked at the local VTNZ station weren't you! Not having a wof is like no having a licence. Dosen't mean an insurance comapny doesn't have to pay you out if their driver is at fault.

And I sell insurance and deal with insurance companies all day every day mate.

Good luck with everything.

yeah 7 pm makes it a bit difficult.....
Point taken tho. Did anyone have to deal with westpac insurance? who would be decent people in aux for an appraisal and where the hell would i get the bike trailer from?

[Crasherfromwayback]

yeah 7 pm makes it a bit difficult.....
Point taken tho. Did anyone have to deal with westpac insurance? who would be decent people in aux for an appraisal and where the hell would i get the bike trailer from?

Any decent bike shop will come and collect it for you mate!

[imdying]

Yes, bike shop will collect, and they will itemise everything.

It's no biggy, they do it all the time, don't fret about that part.

[Oleg]

Any decent bike shop will come and collect it for you mate!

Thats good. Sorry for sounding like noob. first time that shit hits the fan for me...
How long do you reckon the process would take?

[Crasherfromwayback]

How long do you reckon the process would take?

Hard to say mate. There are a lot of variables with each and every case.

[Tunahunter]

You guys are funny.

No WoF = fucked.

Your WOF isn't an issue as it wasn't a failure on the part of your bike. (Quote 'one of six')

So who's right here? - I wish the people who make these comments could let us know what credentials they have to make such statements - maybe a live example or quoting some authoritative reference

[Oleg]

Your WOF isn't an issue as it wasn't a failure on the part of your bike. (Quote 'one of six')

So who's right here? - I wish the people who make these comments could let us know what credentials they have to make such statements - maybe a live example or quoting some authoritative reference

Im lost as f#k here as well. just gona go by the words of Ferkletastic and Crasherfromwayback that wof isnt that relevant to this accident.

[Jantar]

I had to deal with insurance recently this is the form I had to fill so expect something similar I would assume
239887....
Bloody hell. I wouldn't fill out any part of that form. It is fully biased in favour of the insured party and against the person making the claim.

[Gone Burger]

Good luck on this one mate. Not soundsing too flash indeed.

Alas, I also fear that many insurance companies wont pay out on vehicles with no WOF. I hope for your sake on this one that is not the case.

[James Deuce]

I don't understand.
The existence (or otherwise) of the WOF is irrelevant in terms of liability.‎
Your Good Lady was at fault, unfortunately. ‎

I'm not questioning fault. I'm saying that the ombudsman made it our insurance company's problem on the basis that the vehicle was unwarranted when it was patently an issue about not putting the hand brake on.

[davebullet]

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

And - get a WOF and get insurance. Without either in some shape or form, you have no right to be on the road.

[Crasherfromwayback]

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

.

Bullshit sorry.

[imdying]

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.So don't converse with her insurance company then, take her to court directly.

[Oscar]

Remember - it is not your insurance policy covering you.

Her insurance company can rightly claim the vehicle she had an accident with was not legal and had no right to be on the road.

I agree with Mr. Deuce here. If you don't believe me - push the insurance company and you'll see them stick firm. What are you going to do in that case? Go to the police or via court and tell them you didn't have a WOF?

I think your best course of action is an "out of insurance company" settlement with the driver as previously mentioned.

And - get a WOF and get insurance. Without either in some shape or form, you have no right to be on the road.

It's not a police matter.
It's a matter of liability and in this case one party damaged another's property in a negligent fashion.

Whether or not he was legal in terms of the Road Transport Act is irrelevant. As an example - What if he'd been pushing his bike across a pedestrian crossing and been hit by this woman?

[Oleg]

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

[Brian d marge]

I ALWAYS advise riders Who have just bought a new bike , ,,,Take the new fairings off and put some ( good ) race fairings on .... then when you crash ,,,which you will ..you will save A LOT OF money
The when yo sell the bike , put the original fairings back on

Stephen

[Gremlin]

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

Stupid... you'll only annoy them, and the bike can still be traced via VIN.

[Crasherfromwayback]

Just a quick thought - would it help to remove number plate from the bike for assessor or its a really stupid thought and im getting paranoid?

Don't be doing that.

[Oleg]

ok, here is the plan of actions:
1. Ring up dealership to pick up the bike for assessment, so insur wont apoint 1 on their own.
2. Once the bike is gone, ring the westpac insurance and tell them the story
3. will not mention my WOF
4. Will keep my story straight as it was.


Anything i need to add here?

[imdying]

Anything i need to add here?Just be honest, you've done nothing wrong. Lying is a good way to make something easy a worry.

[Oleg]

Just be honest, you've done nothing wrong. Lying is a good way to make something easy a worry.

Just got slightly paranoid after a few posts here.... Will take a few chill pills tonight..

[Crasherfromwayback]

Just be honest, you've done nothing wrong. Lying is a good way to make something easy a worry.

Absolutely correct.

[James Deuce]

Bullshit sorry.

I provided an example as to where this can go wrong for you. I think calling it bullshit was more than a little harsh.

[Maha]

'' Decided not to stay in the line with car, i lanesplit from the right side (as been told on KB many time) straight to the front''.

This was your judgement error..:yes:

NOTE: my woof expired 20 days ago.

This however..........:facepalm:

[Crasherfromwayback]

You guys are funny.

No WoF = fucked.


I provided an example as to where this can go wrong for you. I think calling it bullshit was more than a little harsh.

What would you call your first response then? And anyway, I was saying Daves backing up your example was bullshit, as it is.

[Luckylegs]

Just got slightly paranoid after a few posts here.... Will take a few chill pills tonight..

Just quietly... Has she admitted liability. She has said she will claim insurance but this doesn't automatically mean she will say she was at fault. She might be claiming insurance to have her car fixed an them leave it to them to chase you for $$$.

I suspect if you're not at fault that your description might need to be a little clearer if/when they come knocking cos at the moment there's some questions on particulars imo

[huff3r]

Those who state that the WoF is not an issue are correct, and anyone that makes it an issue you should certainly stand up to. As mentioned, the insurance ombudsman solved all these "it shouldnt be there" issues a long time ago, and now regardles of wether your vehicle should or shouldnt be on the road, others still have no right whatsoever to drive into it.

I would definitely recommend getting your own insurance, and if you talk nicely to them, since it's her insurance paying for it, they might even handle the administration of the claim for you :).

Can't gaurantee that tho..

Oh, and get a WoF.

But for now listen to crasher and wotnot above, do as they suggest and you'll be sweet as :2thumbsup

[Luckylegs]

... since it's her insurance paying for it...

as above you sure about that

[Oleg]

Just quietly... Has she admitted liability. She has said she will claim insurance but this doesn't automatically mean she will say she was at fault. She might be claiming insurance to have her car fixed an them leave it to them to chase you for $$$.

I suspect if you're not at fault that your description might need to be a little clearer if/when they come knocking cos at the moment there's some questions on particulars imo

hey, she didnt say much. But she said that she didnt see me and feel sorry for what shes done. I think i made a really massive fuk up by making an assumption here......

[Latte]

as above you sure about that

Going by what he's written, he was stopped at the red lights when the car behind him hit him.

Overtaking stationary traffic is acceptable on either the left or right so he's ok there (although I don't think that should come into play as that manuevre was finished at the time of the accident).

Of course there's nothing stopping them trying it on, trying to put the blame on him.

Oleg: if you're a young fullah get your folks involved, or someone willing to give up some time to make sure you don;t get bullied/flustered into what they want you to do. From your posts you sound unsure, and the insurance company will have a crack if they see an opening.

[imdying]

Oleg: if you're a young fullah get your folks involved, or someone willing to give up some time to make sure you don;t get bullied/flustered into what they want you to do. From your posts you sound unsure, and the insurance company will have a crack if they see an opening.Yup, don't agree to anything you're not sure about till you've had a chance to think/discuss it.

[Oleg]

Going by what he's written, he was stopped at the red lights when the car behind him hit him.

Overtaking stationary traffic is acceptable on either the left or right so he's ok there (although I don't think that should come into play as that manuevre was finished at the time of the accident).

Of course there's nothing stopping them trying it on, trying to put the blame on him.

Oleg: if you're a young fullah get your folks involved, or someone willing to give up some time to make sure you don;t get bullied/flustered into what they want you to do. From your posts you sound unsure, and the insurance company will have a crack if they see an opening.

22 and alone in NZ, so the only thing that can back me up - my balls. that's about it.

[Oleg]

Going by what he's written, he was stopped at the red lights when the car behind him hit him.

Overtaking stationary traffic is acceptable on either the left or right so he's ok there (although I don't think that should come into play as that manuevre was finished at the time of the accident).

Of course there's nothing stopping them trying it on, trying to put the blame on him.

Oleg: if you're a young fullah get your folks involved, or someone willing to give up some time to make sure you don;t get bullied/flustered into what they want you to do. From your posts you sound unsure, and the insurance company will have a crack if they see an opening.

All jokes aside i will get my shit together before talking to them.

[Luckylegs]

Going by what he's written, he was stopped at the red lights when the car behind him hit him.

Overtaking stationary traffic is acceptable on either the left or right so he's ok there (although I don't think that should come into play as that manuevre was finished at the time of the accident).

Of course there's nothing stopping them trying it on, trying to put the blame on him.

Oleg: if you're a young fullah get your folks involved, or someone willing to give up some time to make sure you don;t get bullied/flustered into what they want you to do. From your posts you sound unsure, and the insurance company will have a crack if they see an opening.

Yep, but the post isn't entirely clear on where he was on the road in relation to her car, whether he was actually stopped etc etc. I could easily take from it, that he was moving in front of her when she moved. This would put his bike on an angle and explain the contact area... Anyway, I'm just saying. Make sure you very clear on the details.

Good idea re the olds or summat!

[Luckylegs]

Yup, don't agree to anything you're not sure about till you've had a chance to think/discuss it.

Yep, the same approach mrs nissan will likely have/be taking

[Ferkletastic]

Only mention the WOF if they bring it up, at which point you simply explain that the status of your warrent has no bearing on the loss at all.

The issue here is what contributed to the collision occuring.

The only time a rear impact is generally disputed liability wise is when the person in front has cut in front in an unsafe manner. If you've pulled around traffic then cut in front of her not leaving a reasonable gap, meaning that she could not reasonably have anticipated your arrival in front of her as she moved forward then yes they can hold you liable for the loss and you'll be shit out of luck.

[Luckylegs]

All jokes aside i will get my shit together before talking to them.

Good plan Stan. What can be good (and what the insurance co would have you do) is draw a picture of the vehicles positions speeds and what have you prior to and at the time of impact. Sometimes this can be easier to do than try and describe it.

[Katman]

Were you trying to merge back into the line of traffic?

[Oleg]

Were you trying to merge back into the line of traffic?

Ok, now im under pressure.
Evening sir.
story: Traffic at stand still. I passed the traffic on the right, got slightly on the right of nissan, but clearly in front of her. Been there at full stop for 3-4 seconds, with both of my legs down, as practicing for restricted. So short answer is no, i was in the same lane with her at the time of accident.

[jaffaonajappa]

how far to hte left had you pulled once past her? In front of her right wheel, or the centre of her bonnet, or half way between those two?

[chasio]

So all traffic had been stopped for several seconds and she was behind you in the same lane. She set off from a standstill before the traffic started moving and drove into you, knocking you over.

Then you both pulled over and stopped at the side of the road and she said 'Sorry, I didn't see you'.

She was at fault. And then she admitted it.

So if you do ring WestPac, I'd suggest that you mention that she said she didn't see you and apologised for taking you out.

The only WOF relevant item here would be if your lights weren't working. Are they working now?

BTW - I do not know if you stopped somewhere sensible and you may want to think about that while your bike is being repaired (hopefully at her cost).

[Oleg]

how far to hte left had you pulled once past her? In front of her right wheel, or the centre of her bonnet, or half way between those two?

somewhere in the middle of your description. but obviously not enough for her to see me.

[Oleg]

So all traffic had been stopped for several seconds and she was behind you in the same lane. She set off from a standstill before the traffic started moving and drove into you, knocking you over.

Then you both pulled over and stopped at the side of the road and she said 'Sorry, I didn't see you'.

She was at fault. And then she admitted it.

So if you do ring WestPac, I'd suggest that you mention that she said she didn't see you and apologised for taking you out.

The only WOF relevant item here would be if your lights weren't working. Are they working now?

BTW - I do not know if you stopped somewhere sensible and you may want to think about that while your bike is being repaired (hopefully at her cost).

Everything as you said. and its fukig impossible not to see me, as i got some LEDs under the pillion seat.

[Katman]

So short answer is no, i was in the same lane with her at the time of accident.

So how come she hit you on your left side instead of your rear?

[Oleg]

So how come she hit you on your left side instead of your rear?

Point of contact is just off the tail light. Me being slightly on the angle from weaving back in. I know that my mistake was not getting right in front of her. Even following the guideline - i should be at the spot where the right wheel of the car supposed to be. and that was my precise location.

[Katman]

I know that my mistake was not getting right in front of her.

Was that because there wasn't room for you to fit between her and the car in front of her?

[Oleg]

Was that because there wasn't room for you to fit between her and the car in front of her?

No cars in front of us. Just because i thought im nice and safe being clearly in front of her.

[Katman]

So are you saying she started moving even though the lights were still red?

[Luckylegs]

So are you saying she started moving even though the lights were still red?

Not your usual standard dude, says so in the first post

[Oleg]

So are you saying she started moving even though the lights were still red?

That is correct sir. 100% sure, because i was looking at the traffic lights at the moment of impact.

[jaffaonajappa]

I think Katman might be helping our Oleg reach his own conclusions here.....
Novel approach. For him. lol.

[Genie]

You guys are funny.

No WoF = fucked.

This is the way I understand it as well, without a WOF or Reg your vehical is illegally on the road, no insurance and her insurance can sue you for the damages on her vehical.

My advice....walk away while you can and learn the lesson...actually there's about 5 to be learnt from this incident.

[Genie]

Were you trying to merge back into the line of traffic?


So how come she hit you on your left side instead of your rear?


Was that because there wasn't room for you to fit between her and the car in front of her?


So are you saying she started moving even though the lights were still red?

Are you unwell? I'm missing your usual deliverance....

[Luckylegs]

I think Katman might be helping our Oleg reach his own conclusions here.....
Novel approach. For him. lol.

I think you'll find it's not all that novel at all! Looks par for the course really

[Oleg]

I think Katman might be helping our Oleg reach his own conclusions here.....
Novel approach. For him. lol.

Forgive me for being stupid, but i do not see any conclusion as yet. Once again, i might be just way too dumb to get it.
I know i failed in couple of points here, but by no means im clearly at fault here.
Shouldn't pass traffic - arguable
Shouldn't be riding without WOF - Correct, but i will argue a bit on that one.
Shouldn't be in front of the car? - incorrect.
etc etc.

The original thing was just to ask you, guys, for an advise, not to point out where i've fuked up. If some of you don't do stupid shit from time to time - Proof vith video please (aka tits or GTFO!). sorry for being a bit of a dick, but its a fucking stressful time for me, as im on my last coin after rebuilding.

[Katman]

It might be time for people to start realising that if they choose to lane-split then they better ensure they have all their ducks in a row.

If we don't, then it won't be long before it is written in black and white that any form of lane-splitting is totally illegal.

[jaffaonajappa]

Well, Oleg.
Theres three different 'branches' of recommendations on this thread.
And KB'ers have been observed once or twice before, to back their original recommendations to the hilt.
You probably need to summarise the three main types of ideas here - and talk to some family/friends.

Personally - Ive only seen two posts on here where the poster claimed some 'professional' knowledge of the topic (insurance) - and would be inclined to follow their advice. Assuming they are straigt up and honest. And that your description of events was accurate.

If it was me. And its not, I know. Id take some cash early on, play it safe, and try not to repeat the same mistakes.

Talk to your family/Freinds, Oleg. Let us know what you decide.

[Luckylegs]

Forgive me for being stupid, but i do net see any conclusion as yet. once again, i might be just way too dumb to get it.
I know i failed in couple of points here, but by no means im clearly at fault here.
Shouldn't pass traffic - arguable
Shouldn't be riding without WOF - Correct, but i will argue a bit on that one.
Shouldn't be in front of the car? - incorrect.
etc etc.

The original thing was just to ask you guys an advise, not rely to point out where i've fuked up. If some of you don't do stupid shit from time to time. Proof vith video please (aka tits or GTFO!). sorry for being a bit of a dick, but its a bit of a stressful time for me, as im on my last coin after rebuilding.

Just remember sometimes advice might take the form of something you don't want to hear. Look at it this way. If you are at all likely to be at fault it would be prudent not to go in all guns blazing demanding that mrs nissan pays for both repairs. As someone else suggested earlier it could be that the best you can hope for is to fix your own vehicles.

I'm not saying this is the case but giving it as an example of why you need to be very clear.

Just remember you have no witnesses, and it your word against hers, particularly that you didn't pull in front of her unexpectedly. You might be ok, she may take full blame, but if not? Well....

[Oleg]

Well, Oleg.
Theres three different 'branches' of recommendations on this thread.
And KB'ers have been observed once or twice before, to back their original recommendations to the hilt.
You probably need to summarise the three main types of ideas here - and talk to some family/friends.

Personally - Ive only seen two posts on here where the poster claimed some 'professional' knowledge of the topic (insurance) - and would be inclined to follow their advice. Assuming they are straigt up and honest. And that your description of events was accurate.

If it was me. And its not, I know. Id take some cash early on, play it safe, and try not to repeat the same mistakes.

Talk to your family/Freinds, Oleg. Let us know what you decide.

Noticed that. both of the guy are extremely helpful and i've PM'ed them as well. The only option i got is to go for a kill with insurance. no options.

[jaffaonajappa]

I think you'll find it's not all that novel at all! Looks par for the course really

Havent been here long...but previous observations of said posters replies usually involved an Abrupt and Direct approach, with no doubt to where he felt the blame laid.

time and place perhaps.....

[Latte]

Havent been here long...but previous observations of said posters replies usually involved an Abrupt and Direct approach, with no doubt to where he felt the blame laid.

time and place perhaps.....

Stop right there, start a poll if you want to talk about Katman ;)

[huff3r]

This is the way I understand it as well, without a WOF or Reg your vehical is illegally on the road, no insurance and her insurance can sue you for the damages on her vehical.

My advice....walk away while you can and learn the lesson...actually there's about 5 to be learnt from this incident.

Not quite. Tried to sue someone for damages lately? (Doesn't happen). His vehicle was illegally on the road, no question, but that still does not give her any right to drive into him.

He didnt have the right to be there, but thats for a policeman to decide, not her and her car so regardless of the non-WoF status, she still caused the accident and is therefore at fault.

Thats how it works in NZ, and in almost all cases when a vehicle is rear-ended the vehicle to the rear is found at fault.

I'm not professing to have some inside knowledge of the law, or to be a professional, but I am certainly inquisitive when it comes to law, and am very good with google. Oh and read consumer, which helps a lot with knowing your rights (they review insurance regularly).

[FJRider]

Are you unwell? I'm missing your usual deliverance....

I'll do it FOR him then ...

It was an AVOIDABLE "accident" ... With NO wof ... he should NOT have been on the road ...

THEREFORE ... it's HIS fault .....

simple ... eh ... :innocent:

[The Stranger]

FUUUUUUUUCKKKK!!!!!! Just as i got a brand new fairings and a bloody headlight, which i've been hunting for 1.5 years, some very nice lady decided to rear end me. Will make it short:
1. tonight about 7 pm, coming to an intersection during rain. Lots of traffic.
2. Decided not to stay in the line with car, i lanesplit from the right side (as been told on KB many time) straight to the front.
3. at the moment im next to the middle lane next to Nissan Murano. Traffic light is red.
4. Nissan jolts forward, hitting me on the left side, the point of contact is from pillion seat right through my leg and front fairings. The light is still red.
5. This hit makes my drop the bike and roll away.

Pulled it to the curb, the Nissan pulled over as well. She's got insurance and deeply scratched bumper. I got no insurance, decent bruise on the leg and extensive list of broken/cracked/bent stuff on the bike. NOTE: my woof expired 20 days ago.
She said that she will lodge the claim with insurance company tomorrow.
Its first time that i have to deal with insurance claims and etc., so desperately need some advise on what my actions should be. Please help.
What f#ks me off at most, is that i just finished the bike for a track day at puke.....

UPDATE: 1st June - She raised the claim with her insurance, which is Westpac.

You should be sweet to deal with the insurer.
Two people I know have had uninsured bikes damaged by insured drivers and both times the other parties insurer has come through - in the end. Sure they will wriggle, but you do have a couple of advantages. 1) you aren't constrained by their policy wording, so they don't get to dictate the value of your bike and repairs per their preferred method (which almost always is to your disadvantage) and 2) you have small claims available to you should push come to shove.

The fact you don't have a warrant should not be relevant unless something about the lack of a warrant contributed to the accident - I'm sure your tail light used to work before the accident. Hell, I've been involved in an accident where the cop issued a ticket to one of the parties for have no rego or warrant for over 3yrs at the scene. They still got paid out by their insurer - in full.

That said - if there is something you're not telling us, then perhaps my advice would change.

[ecko_nzed]

Oleg, you didn't fcuk up, you didn't do yourself any favours by splitting lanes or lack of WOF, but not what I would call a fcuk up.

Not sure if anyone has mentioned it, but make sure you take photos of your injuries as well. especially any bruising on the back of your leg that would indicate she hit you from behind.

Look on the bright side, you've learned a bit about the law and if the bike gets written off you can turn it into a cheap trackday bike.:2thumbsup

[The Pastor]

you'll be sweet as mate, wof/reg doesn't effect insurance, don't listen to these kb warriors who have never gone through the system without a wog/reg.

Where the wof would effect the insurance is if you failed your wof on bad tyres and then you lost traction on the road, but how hard would that be to prove!

and despite what all these nubs are saying, your tax has no ability to cause an accident. ever.

Dealing with insurance companies, can't think of anything worse! Good luck mate and don't take any BS from them.

[cowboyz]

i havent got time to read all of the thread but no wof or rego has no bearing at all on insurance payout.

it is up to the insurance company to prove that your bike was not in warrentable condition.... and the fault was the cause of the accident.

When I crashed the 9 I was not warrented and rego on hold and got a full payout from insurance.

[jaffaonajappa]

i havent got time to read all of the thread but no wof or rego has no bearing at all on insurance payout.

it is up to the insurance company to prove that your bike was not in warrentable condition.... and the fault was the cause of the accident.

When I crashed the 9 I was not warrented and rego on hold and got a full payout from insurance.

Perhaps different insurance companies do things differently?
Wonder whats in them four pages of fine print some people have to intiial when accepting a policy....

[Latte]

Perhaps different insurance companies do things differently?
Wonder whats in them four pages of fine print some people have to intiial when accepting a policy....

Ownership of your soul. What else?

[avgas]

When I crashed the 9 I was not warrented and rego on hold and got a full payout from insurance.
Yours? If so does not fit the OPs problem.

[Latte]

Yours? If so does not fit the OPs problem.

Good point, but that also means that the insurance companies policies don't apply as he has no agreement with her insurer.

From his point of view the issues are aportioning blame to her (either by an admission or court etc) then getting the money off her. If the insurance company won't pay out, that becomes her problem, not his.

I'm in no way saying this is going to be easy, but if he's been accurate and honest, and he doesnt get caught out, he has a good chance, I would pursue it if I was in his shoes.

[reggie1198]

you'll be sweet as mate, wof/reg doesn't effect insurance, don't listen to these kb warriors who have never gone through the system without a wog/reg.

Where the wof would effect the insurance is if you failed your wof on bad tyres and then you lost traction on the road, but how hard would that be to prove!

and despite what all these nubs are saying, your tax has no ability to cause an accident. ever.

Dealing with insurance companies, can't think of anything worse! Good luck mate and don't take any BS from them.

You can ride without a wof, but only to get a wof, or repairs that will allow you to get a wof. I would think the rego is a different story, I thought that if a vehicle was on the road without a rego, all bets were off.

[sinned]

As you are not insured this is the best advice on this thtread. Don't deal with here insurance company, deal ONLY with her. She hit your bike, her insurance company didn't. Natuarlly her insurance company will be the ones to pay up in the end, but if you only deal with the driver then her insurance company has less wriggle room to get out of it.
This would be my approach - she caused the damage and will expect her insurance company to deal with the problem and you. Keep the pressure on her to pay and let her take it up with the insurance company.

The lack of WOF may be a distraction. However, you were stationary and she moved and hit you. The fact you lane split to get there shouldn't be an issue unless the activity of lane splitting contributed to the accident eg did you scare the shit out of her and as a result foot came off clutch?

Good luck

[Zadkiel]

Haha. 8 pages to finally move towards the truth.

I currently work for an insurance company and can 100% assure you there are some truths in this situation.

As mentioned earlier, the Insurance Law Reform Act dictates that if the vehicles lack of warrant is not causative of the accident than it cannot prevent payment of a claim.

The only disputable point will be liability. They may make an effort to deny their client was at fault. This is unlikely however as she has hit you from the rear, almost all cases of one party hitting another from behind is the fault of the party behind the other. They will know that and probably not bother disputing.

I wouldn't bother getting your bike assessed if I was you, it's a waste of time. They will recommend a repairer they believe you should use. If you choose to use another repairer then they will have to authorise the quote before work can commence and can refuse to accept the quote.

So basically I would chase up with them and ask if they recommend a repairer in your area so you can take it in and get a quote. Hussle them up a little and they will get it done. It would actually be more time and effort for them to screw you round than to pay you. Most of the larger insurance companies in NZ pay out over 95% of claims, including to third parties.

No point chasing her up, she isn't the one who will be paying you. Feel free to message me if you have any questions.

[The Stranger]

Perhaps different insurance companies do things differently?
Wonder whats in them four pages of fine print some people have to intiial when accepting a policy....

What is in those four pages of fine print is not relavent in this case. The OP is uninsured and has no contract with the other person's insurer.
So he has no fine print to be concerned about.

He's out of pocket due to the actions of another and (based on his post) is entitled to claim from the other person.

[The Pastor]

You can ride without a wof, but only to get a wof, or repairs that will allow you to get a wof. I would think the rego is a different story, I thought that if a vehicle was on the road without a rego, all bets were off.

No, you can ride when ever you want to dude. We have a law (cant find it but im sure someone on here can) in nz which clearly states the reasons for rejection of insurance must be a causing factor of the accident.

i.e., if you are pissed and smash into a car, because you were pissed you crashed, therefore they wont pay out.

But listen to this, if you are pissed, no wof no rego, no seatbelt and just killed 2 kittens with a club, and someone crashes into you, they still have to pay out.

now if you crashed, and had no wof or rego, this did not cause the accident so they have to pay out (they might probably say "company policy is not to pay out" or some BS but this is a lie and they legally have to.)

BUT, if you have no wof, and you crashed because your brakes didn't work, then that could be a contributing factor and they probably wont pay out. It would be hard for them to prove it tho.

Now remember what a rego is, its TAX to the government, no more, no less. So this can never ever be a contributing factor to an accident.

[Mully]

Now remember what a rego is, its TAX to the government, no more, no less. So this can never ever be a contributing factor to an accident.

It's a levy - so they can stuff you for GST too.....

Anyone else thinking the woman might have been distracted (texting, etc) and her foot came off the brake?? Was the immediate thought I had.

[Scuba_Steve]

Anyone else thinking the woman might have been distracted (texting, etc) and her foot came off the brake?? Was the immediate thought I had.

I was thinking she might have looked at the wrong green either arrow or cross traffic's? but not being there is only a complete guess.

[jaffaonajappa]

What is in those four pages of fine print is not relavent in this case. The OP is uninsured and has no contract with the other person's insurer.
So he has no fine print to be concerned about.

He's out of pocket due to the actions of another and (based on his post) is entitled to claim from the other person.


Completely Agree.
But my comment was not to the OP...I quoted and replied to Cowboyz, who was discussing His crash and insurance issue. Wanted to make people consider Cowboyz post with caution......it may not be correct for other peeps insurers.

[MarkH]

What is in those four pages of fine print is not relavent in this case. The OP is uninsured and has no contract with the other person's insurer.
So he has no fine print to be concerned about.

He's out of pocket due to the actions of another and (based on his post) is entitled to claim from the other person.

That's the way I read the situation!

If Oleg was stationary then the lane split is irrelevant - he wasn't lane-splitting he was stationary in front of the insured woman and she drove into him. I'd like to know how this isn't clear-cut her fault! She must be liable, but she has insurance to protect her, so they can pay out for Oleg's damage - and I can't see any reason why they aren't liable for it.

[Mully]

and I can't see any reason why they aren't liable for it.

Simple. Because this is KB. Home of misinformation and keyboard warriors since ages ago.

[baffa]

Hey. I havent read the entire thread, but from what I saw it looks like some bad ideas being thrown out there.

Working in the insurance industry, hopefully I can give a couple of pointers.

IF she is in the wrong, your wof should not matter. After all, who's to say you're not on your way to the garage to get it done? If I hit someone on a learners license who is driving after hours, I'm still liable to pay for the damage to the vehicle. Yes, they shouldnt be breaking the law, but I caused their accident. Unless it can be proved a lack of wof or breaching license conditions etc directly caused the accident, it shouldnt affect you.

General rules of an accident:
If someone is hurt, you have to notify the police within 24 hours.

You need to get their details, and give yours, and whatever you do, dont accept liability. Generally that is for the insurance company(s) to figure out.

If you are insured, get your insurance company involved, even if you arent at fault. It wont cost you anything, but they will back you up.

Since you arent insured, it can make things a little trickier. But if you are clearly not at fault, it shouldnt be an issue.

Dont hide or lie about anything. It's the stupidest thing you can do.

Good luck, hope you can get the same parts for your bike. Dont forget to hit them up for damaged helmet and riding gear if need be.

[Brett]

You should be fine, if you were not in the wrong WOF was not a factor causing the crash and therefore is not applicable. Had you been at fault, you would find yourself in trouble potentially, however even then, I know of a few guys who have been in error in vehicles without WOF's but in a warrantable state that have had crashes where they were at fault but the claim was still honored. Good luck.

[jaffaonajappa]

Oleg- another accident today - similar to your one.
http://www.kiwibiker.co.nz/forums/showthread.php/139375-Just-been-crashed-into-but-I-have-no-WOF-or-rego-what-do-I-do

Can you let us know how you got along....any updates man?

[Oleg]

Morning guys. The whole thing finally came to an end. Got the offer from insurance just last night.
- Bike is a write off.
- No hassle from insurance (westpac through Lumley)
- Got the offer for $3850 for my VJ22
- WOF didnt affect anything, so it wasnt relevant.
- No dodgy questions from insurance.
:done:

Huge thanks to you guys for help and support. Would be much more depressing without ya :)

PS Anyone wants to sell me their MC22? :wari:
I know that they shit rainbows and slightly GhEy, but my better half is going to ride it as well, so 2 stroke rusty granades ,unfortunately, are out of question :)

[Ferkletastic]

Morning guys. The whole thing finally came to an end. Got the offer from insurance just last night.
- Bike is a write off.
- No hassle from insurance (westpac through Lumley)
- Got the offer for $3850 for my VJ22
- WOF didnt affect anything, so it wasnt relevant.
- No dodgy questions from insurance.
:done:

Huge thanks to you guys for help and support. Would be much more depressing without ya :)

PS Anyone wants to sell me their MC22? :wari:
I know that they shit rainbows and slightly GhEy, but my better half is going to ride it as well, so 2 stroke rusty granades ,unfortunately, are out of question :)

Awesome man, glad it all worked out for you.

[jaffaonajappa]

Awesome, grats man. Bet your glad you stuck at it now.

[Luckylegs]

Awesome, good news! Glad the other party was honest about things. Have fun shopping!

[Oleg]

Awesome man, glad it all worked out for you.

You,sir, are the legend. Huge thanks to you personally for help.
i got to spread some more rep before i can do yours again :) and you are always welcomed in my garage for a cold one:)

HUGE thanks to peeps like renegade master, baffa, ecko_nzed, CRASHFROMWAYBACK! Sorry if didnt mention anyone :)
Thanks a lot guys!

[Crasherfromwayback]

Glad I may've been some sort of assistance. Having arseholes smash your bike up sucks arse.