Insurance Issues

[beyond]

There's a couple of threads running right now on Insurance Companies weasling out of their obligations, for all sorts of reasons. :(

Not that this directly affects me right now, but it could do one day for sure.

Now, what view would the Insurance Company take if a Motorcyclist had an accident whilst filtering on the motorway? Seeing this whole thing is a grey area without any hard and fast rules and is up to the discretion of any patrolling vehicles.

Let's say you were filtering at 50-60kmh in very slow moving traffic and some dim wit move across on you without indicating, at a rapid rate of knots, so that you were unable to avoid him. You smack the dick in the left wing hard, go down and your bike gets run over by the following car and is a right off.

Becuase filtering is a grey area, even though the incident was not your fault, anyone know what view the insurance company is going to take, assuming you have a reasonable history?

Be interested to know as the answer to this is going to affect quite a few people, I would think.

[Fishy]

I reckon they will decline the claim straight away until you can prove you were travelling in a safe manner. Would pay to find a few witnesses if something like this happened I reckon.

[enigma51]

I guy at worked had claim like that he had no issues. I have no idea what insurance company he is with

[eliot-ness]

You would of course be paid. You are insured against such accidents as this scenario. If you could prove the other guy was at fault then his insurers would have to pay. Either way you are covered.

[madboy]

I don't think it matters, the insurance should pay. Might well be that you are judged to be at fault and suffer whatever consequences go with that. I'm guessing that would be loss of no claims bonus and paying your excess. Possible renewal consequences too. May be a different story if you were doing 250k and the car did a lane change to get out of the way of the police car that was chasing you.