Advise required

[johnsf1980]

A few minutes ago my flatmate backed out of the garage and straight into my beautiful (not so beautiful anymore) motorcycle knocking it over and shattering the fuel tank and various other bits.

Going to take it in to the garage to get it evaluated tomorrow but I reckon its going to need a new fuel tank, etc.

Both my flatmate and I have insurance but Ive never had to claim insurance before in NZ.

Please can someone advise how I should go about this? The bikes insured for $ 7000 and I believe I have a 15% excess

[SuperDave]

What the hell? Your flatmate needs to claim from his/her insurance and cover all your repair costs. Well that's what seems fair to me - it was his/her fault in the first place.

[johnsf1980]

What the hell? Your flatmate needs to claim from his/her insurance and cover all your repair costs. Well that's what seems fair to me - it was his/her fault in the first place.

Is that how it works? Please can someone confirm this? That would be sweet!!!

[crashe]

John..... your flatmate goes to their insurance company....
your flatmate will loose their no claims.... NOT you.

Or you can find out how much it will cost to repair it back to what is was like before it got hit, that includes the tank to be painted to the colour it was.... and your flatmate pays you in cash or the bill goes into their name to pay off without your name on the bill at all.
To do that take it to a bike shop to get the full cost of repairs.

But first find out how much before you decide which way to go on this.

YOUR flatmate hit your bike... they pay.

[James Deuce]

Is that how it works? Please can someone confirm this? That would be sweet!!!

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

[justsomeguy]

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

Yes - that is the correct route.

-----------------------------------

If you can trust your flatmate to pay in cash for the repairs and the cost of the repairs are less than your flatmates excess then you may agree to have him fix it that way.

If however it is too expensive then you must do as Jim2 says.

Whatever the scenario it is up to your flatmate to repair the bike as it is "his fault" that the accident occurred.

[Devil]

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.
Get the quote, if your flatmate doesnt want to pay to fix it straight out of their pocket, then do the above.

Personally, I'd give the person a chance to just pay to fix it first if its not too much.

[johnsf1980]

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

This makes sense.....

This is all just so upsetting.... my motorcycle :no: :cry: :crybaby: :unsure:

[matthewt]

Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone :Oops:

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.

[Zapf]

Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone :Oops:

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.

what about in the middle of the road? Just in case I want to change bike some time... :whistle:

[JohnBoy]

something similar happened to me...

i brought a car at the begining of the year just to own it for a couple of weeks until someone backed into me.
all i did was get a series of quotes and we settled on the median price, much better than mucking around with insurance and so forth and you can choose where you get it fixed.

[johnsf1980]

Well I was parked on our drive-way just outside the garage... flatmate opened garage and backed out straight into my motorcycle


Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone :Oops:

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.

[unhingedlizard]

You need two things,
A: flatmate, preferably bent over,
B: Rusty saw.

Insert Tab B into slot A, using a little force if applicable.....

[Waylander]

As the others have said. And then a new flatmate, preferably one who rides. Reduces risk oif having it happen again.

[Pixie]

Well I was parked on our drive-way just outside the garage... flatmate opened garage and backed out straight into my motorcycle
Let me guess.Your flatmate is a blind moron? Right?
I gess he/she is thankful it wasn't a toddler and not a bike outside the garage. :weird:

[Beemer]

Get some quotes, check with the insurance companies and see what your flatmate wants to do. They may not want to lose their no claims bonus so could be keen to pay for the repairs themself rather than go through the insurance company.

You could use this to make them your slave, you know! I'd be laying a real guilt trip on them and using the following lines: "Since you RAN OVER MY MOTORCYCLE I am too upset to cook dinner/clean the toilet/iron my clothes".

If all else fails, put an ad in the paper for a non-blonde flatmate! :bye:

[johnsf1980]

Does anyone know if my excess will apply? I mean since I was not at fault... may be parking in the drive way in the dark was silly but when someone is backing out its their responsibility to check whats behind aye?

[Lou Girardin]

Because you can identify the person at fault, your insurance co. will claim the excess from them or their insurer.

[spiller]

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

No, you don't need to claim. Otherwise you will loose your no-claims-bonus. You need to contact your insurance company to let them know what has happened (If the cost of repair is more than excess, your flatmates). Your flat mate needs to do the same, but obviously needs to claim (If the cost of repair is more than the excess, your flatmates).

If the cost of repair is less than the excess (Your flatmates), your flatmate should pay for the repairs out of his pocket (If he dosen't, you have the right to take it to the Disputes Tribunal for mediation).

As it is not your fault, you do not need to claim, as you know the third party involved.

......I've learn't from unfortunate experience.

[James Deuce]

No, you don't need to claim. Otherwise you will loose your no-claims-bonus. ....

Respectfully, that is rot. If your insurance company doesn't have a claim lodged they can't represent your interests if things need mediation or adjudication. They will most assuredly NOT thank you for NOT lodging a claim. You will NOT lose your no-claims bounus if you lodge a claim and the claim isn't settled by your own insurance company. If the other party is at fault then ALL costs are claimed from their insurance company and you do NOT lose your no-claims bonus. I speak experience. I am not making it up.

If you chose to deal with the other party without involving insurance companies it will turn to custard. Your bike will not get repaired to the state it was prior to the accident and it will sour your relationship with your flatmate. Again I speak from experience. Let the corporate bureaucracy both parties have paid to insure their respective personal and property interests.

I've never lost a no-claims bonus in the situation outlined here, and I didn;t lose it when I had a single vehicle, all my fault accident last year.

[unhingedlizard]

in my experience, Jim is right, your insurance company will sort it out, thats what you pay insurance for.

[raster]

Both parties should claim and let the Ins. Co.s sort it out, sometimes there is no excess at all because it will be covered by a third party claim.
Costs depend on Ins Co.s.
When you claim on your own vehicle that is when is costs your excess and no claim bonus.
I have claimed several times on third party claims(their fault) and have not paid a cent.
The only difference to that is when they did not have insurance and I had to pay the excess to get my car fixed and got a check to pay for that in the mail 3 weeks later.

[lewises]

Irrespective of whether yout flatmate wants to lodge a claim or not it is VITAL that you lodge a claim with your insurer.

As everyone else has said. The no claims bonus will not be affected if the other party assumes liability, or there is a point of law which places liability on the other party anyway.

Doesn't it just break your heart? Having a bent bike... :weep:

[spiller]

Respectfully, that is rot. If your insurance company doesn't have a claim lodged they can't represent your interests if things need mediation or adjudication. They will most assuredly NOT thank you for NOT lodging a claim. You will NOT lose your no-claims bounus if you lodge a claim and the claim isn't settled by your own insurance company. If the other party is at fault then ALL costs are claimed from their insurance company and you do NOT lose your no-claims bonus. I speak experience. I am not making it up.

If you chose to deal with the other party without involving insurance companies it will turn to custard. Your bike will not get repaired to the state it was prior to the accident and it will sour your relationship with your flatmate. Again I speak from experience. Let the corporate bureaucracy both parties have paid to insure their respective personal and property interests.

I've never lost a no-claims bonus in the situation outlined here, and I didn;t lose it when I had a single vehicle, all my fault accident last year.

Bang on Jim2. I must be ready for the weekend :sleep:

[johnsf1980]

Cool thanks :-) I have lodged a claim and been told I should have to pay nothing at all.... Garage says may be $ 1500 to fix to flatmate is going to lodge claim too and let the insurance firms sort it out; thats what we pay them for anyways!

Now its just the waiting for my motorcycle to be returned to me.... good thing Im going overseas for a couple of weeks tomorrow morning :yes:


Respectfully, that is rot. If your insurance company doesn't have a claim lodged they can't represent your interests if things need mediation or adjudication. They will most assuredly NOT thank you for NOT lodging a claim. You will NOT lose your no-claims bounus if you lodge a claim and the claim isn't settled by your own insurance company. If the other party is at fault then ALL costs are claimed from their insurance company and you do NOT lose your no-claims bonus. I speak experience. I am not making it up.

If you chose to deal with the other party without involving insurance companies it will turn to custard. Your bike will not get repaired to the state it was prior to the accident and it will sour your relationship with your flatmate. Again I speak from experience. Let the corporate bureaucracy both parties have paid to insure their respective personal and property interests.

I've never lost a no-claims bonus in the situation outlined here, and I didn;t lose it when I had a single vehicle, all my fault accident last year.