Stupid @#$* and MissSniper

[Sniper]

On Thursday MissSniper was coming home from work round 1830 and came up to a set of lights behind some stupid fuck in a gold corolla. She had been following him for the past 10 minutes and he said he knew she was behind him most the time.

They had been stopped at the lights for about 10secs when the stupid fuck decided to switch lanes and reversed straight into her!! He stopped immediately but still managed to knock her off balance and make her drop the bike onto herself. She came out OK with a large bruise on her calf and a cut on her foot, but she was pretty shaken. At least it hasnt put her off bikes.

My favourite part is his excuse was, "I checked my side mirrors and you werent there." What a stupid C%$t! In the great words of Vincent from Snatch, "When you reverse, things come from behind you".

I only found this out over the phone and after I got there to pick her and the bike up and he had left. Stupid fucker was lucky, in my opinion, that wasnt an accident, it was an act of fucken stupidity and I wanted to tell him that. In a guys point of veiw, you would take a more serious veiw of a dickhead hitting your missus than you would if he hit you. First time I have been angry in years.

Bikes not the best. Bars at a 30 degree angle when you ride in a straight line. Front gaurd is fucked. Left side fairings are fucked and Im not sure on the status of the fork seals. His insurance company are going to ring us and let us know what to do (Dont get me started on the fucken insurance.) For those in the insurance industry, quick question, if his insurance company want to write the bike off, do I have the option of saying no? If I don't, how will they determine the value of the bike?

Cheers

[yungatart]

An amazing act of gross stupidity! Where did he think she disappeared to? I'm glad she is ok, tho its a shame about the bike. Good luck with the insurance.

[sAsLEX]

quick question, if his insurance company want to write the bike off, do I have the option of saying no? If I don't, how will they determine the value of the bike?

Cheers

Go and get quotes from bike shops, the non wanker ones will give you a fair value of the bike pre crash wankers like red baron are just wankers....... I know your in chch...... my car had the same thing too much to fix and they paid out a very fair value! Through ASB I think.

Thats if the valuer they send round gives you an unfair value, I got more than what my car was worth so I didnt have to do that, but had to when my bike went walking as they had devalued it something chronic!

[Hitcher]

What is it about Toyotas, reversing lights and bikes behind them? I blame the Labour Government!

[SuperDave]

Sounds like a royal fucken dipshit. Hope you manage to screw him and his insurance company for every cent it requires to get the bike back up to standard.

Shit I've never thought about someone reversing into my at and intersection, might just start filtering to the front of the queue everytime now.

[thehollowmen]

sorry to hear that.
Anything I can do to help?
I could loan ya a car if ya need it, or something.

[Sniper]

sorry to hear that.
Anything I can do to help?
I could loan ya a car if ya need it, or something.

Cheers for the offer THM but I think we will be OK. I need to get her car to our mechanics to get the water pump done and then she will be mobile again.

Thanks again for the offer though :)

[Jantar]

I'm glad that MissSniper came out of it without serious injury. It could have been a lot worse.

As to the insurance, I believe that if they wish to write it off, then they probably can. But I also believe that rather than receive a fair monetary value that you have the option of asking that it be replaced with a similar model, of similar age, and in similar condition. That solves any arguments as to value.

[Leong]

In a guys point of veiw, you would take a more serious veiw of a dickhead hitting your missus than you would if he hit you. First time I have been angry in years.

Know the feeling.... and great attitude that she's not been put off. Best of luck with the insurance!!

[sunhuntin]

glad missniper came out not too badly hurt...

the bike doesnt sound like theres a great deal wrong with it...aside from the fairings, shouldnt cost much to get back to usable. good luck either way!

[The Pastor]

Sucks so much man. I reckon you should get compo for time loss and inconvieance. Let us know how you get on with the con artists (insurance).

[NotaGoth]

For heavens sake........... Firstly, good to hear MissSniper is okay... Real shit to hear thats happened.... Backing using just your side mirrors...??? Sounds like the guys an absolute dipshit..

[Toast]

Similar thing happened to me about a month ago. Old dude checked his side mirror and gassed it in to me, hard.

Got the old "I didn't see you!" in a tone of voice that suggested it was my fault.

He was fair shitting himself 'cos I look about 100kgs in my riding gear, and I was clearly pretty fucked off...a bit of calm and I got an apology and a written admission of fault from him...so all good.

I really hope that the insurance co. doesn't pull any funny business, as a nose to tail is usually assumed to be the fault of the person behind. He could say that she ran in to him, and there's fuck all that you could do without proof that he has admitted fault.

[andrea]

well its good to hear your missus is ok apart from the bruise, so did a cop turn up at the scene? reason is so that he could take down a statement on what happened and whose fault it was, and that could be used when making a claim.
you should get your insurance company onto it asap so they will contact his insurance company for their claim form etc. make sure you got all his details phone number etc. my insurance company rang the guy that hit my car, and they said that if he said he didnt hit my car then i could make a claim but my premiums will go up, but if he said if did hit my car then he will have to pay out and my premiums wont go up. hence that is why it is good to have a cop on the scene.
if you let his insurance company handle it they'll probably fuck you around for ages.

[Motig]

What a shit.Good to hear your missus is OK, a few whiskies will fix her nerves. Hope everything is OK for insurance and the turkey tells the truth.

[BarBender]

Teach Miss Sniper the "Reverse Turning Elbow Smash to the Jaw".
That way she can return any future acts of idiocy with "oh I'm sorry - I didnt see you standing behind me..."

[crazybigal]

i hope you reported it to the cops, by law you have to if someone is hurt.
insurance will insist on it also, the love to find loop hole! dont let them screw you! just stick to your guns on value and replacement, you should not be disadvantaged in anyway. otherwise shout small claims court at their client(gold toyota) those fuckn insurance companies will try it on, trust me!!



Cheers for the offer THM but I think we will be OK. I need to get her car to our mechanics to get the water pump done and then she will be mobile again.

Thanks again for the offer though :)

[Edbear]

In a guys point of veiw, you would take a more serious veiw of a dickhead hitting your missus than you would if he hit you. First time I have been angry in years.



Understandable, we tend to pretty protective of our wives and kids. Glad she was okay and hope it urns out well.

[Hitcher]

Speaking as somebody who has been recently "reversed" into by a Toyota, if the Police charge the driver with careless driving, then you'll be amazed at the stops your insurer can pull out.

I hope you collected names and addresses from witnesses.

[gijoe1313]

Cripes - glad MissSniper wasn't seriously hurt. Hope the ball rolls in your favour and you get redress ASAP, damn - makes me think about my bolthole options again when I'm stationary at lights :sick:

[Sniper]

I hope you collected names and addresses from witnesses.

That we did thanks Hitcher

[Beemer]

Had the same thing happen to me once, but I was in a car! I was following an elderly woman out of a supermarket carpark and she apparently realised she'd forgotten to buy something. Instead of going out the exit and coming back in through the entrance a hundred metres or so along the road, she just put it in reverse and planted it! I wasn't right up her rear end but there was a Land Rover right behind me and the exit was narrow so I had nowhere to go. I blasted on the horn and flashed my lights but she still hit me. Got fed up with driving around until it got fixed and having people assume I ran up the back of someone!

She must have been deaf because even if she hadn't looked in her mirrors (pretty obvious that she hadn't!) she should have heard the horn! It was my father's three-week-old car so I got out and called her a stupid bitch. She then went to see my father and said I had been incredibly rude to her! He asked what I'd said and when he heard I'd only called her a stupid bitch (but repeated it endlessly...) he said she was lucky she hadn't hit him because he would have called her a lot worse!

Pleased to hear no lasting injuries, could have been a lot worse for Miss Sniper.

[sunhuntin]

Cripes - glad MissSniper wasn't seriously hurt. Hope the ball rolls in your favour and you get redress ASAP, damn - makes me think about my bolthole options again when I'm stationary at lights :sick:

i tend to leave a decent gap between me and the car in front at the lights...not really a bolt hole, but can give the chance to roll backwards if some dumb fuck does the same thing. trucks especially tend to roll back a bit on take off.

[Colapop]

Jeez Stu, that's no good. Anything you want/need let me know. I know that protective feeling. You can mess with me a ll you like, I don't care, but as soon as you f*ck with my missus or kids and I'll kick your arse.

[bert_is_evil]

The exact same thing happened to me a while back - a Toyota Previa stopped and reversed right into me (at least a half a car length), I fell off and rolled away as they kept backing and lodged my bike under the back of the van. The insurance paid out as they were tourists in a rental and admitted liability, but it didn't make up for the 6 weeks spent catching the bus waiting for my baby to recover at the bike hospital.

[Sniper]

FAN-FUCKING-TASTIC!!!

I have eventually got hold of the claims manager at this guys broker and been told that cause he has a high excess, they would only ring me if the repairs went over $1600. So I have been waiting 4 fucken weeks for them to call me and they havent because they didnt think they needed to. Nice of them to fucken tell me!!

Anyway, Im after some help please.

I want to know (I am researching myself, but Im going MIA over the weekend, so I want to get this hurried along).

*How much for a set of tail fairings for a 2kr FZR250 (Just fairings doesnt advertise them)
*New front gaurd
*I need to get the forks checked, but Ive got a funny feeling they are fucked, so what would a new set be worth or a suitable replacement.

The other little things like clutch lever, mirror and indicator wont be too bad, so I'll ring around.

Thanks for the help guys and gals

[Sniper]

Fan-diddly-damn-tastic.

Now I find out, Im going to be out of pocket to have the bike assessed to find out the amount of damage :mad:

[MSTRS]

Just add that to the total claim. Not at fault = no pay for anything.

[Sniper]

Just add that to the total claim. Not at fault = no pay for anything.

Ive been told by his insurance broker though that if the total amount to fix it falls under $1600, then its my job to chase him up for the damages. Is this right???

[sAsLEX]

Ive been told by his insurance broker though that if the total amount to fix it falls under $1600, then its my job to chase him up for the damages. Is this right???

Doesn't sound right, that's why people have insurance to avoid others chasing them up etc. and they know the system, but don't worry it will be easy to push over 1600 just go to a shop and say you need a quote to repair the bike for insurance and it should be over 1600 $ they can then give you a quote for that.....

[TLDV8]

The other little things like clutch lever, mirror and indicator wont be too bad, so I'll ring around.


You may be surprised if Yamaha charge like Suzuki NZ.

Those items for a TL1000 would run around the $300+ mark... TLS radiator here $850,everywhere else half that or less.
It would not be hard to get Stevie Wonder's excess met with genuine parts.The insurance company would no doubt try and stick you with pattern parts to keep the cost down.

[Sniper]

Cheers guys.

Yea Im just fucked off that his insurance broker just seems to brush me off, so Im going to try find out and deal with his insurance company directly.

Although even if I can get a quote for over $1600, doesnt that mean they will only pay the balance over $1600 and I will have to chase him up for the $1600 excess? Apologese for the dumb questions, but this is my first insurance claim on a vehicle.

[TLDV8]

Cheers guys.

Yea Im just fucked off that his insurance broker just seems to brush me off, so Im going to try find out and deal with his insurance company directly.


Unless someone can think of a reason not to,i would go and see his insurance company in person.It saves a lot of BS and getting fobbed off.
I have noticed with a lot of white collar companies they do not want to deal with the public in person.
I was under the impression the policy holder had to meet the excess and any ongoings are the concern of the insurance company and the said policy holder. ?

[scumdog]

TLS radiator here $850,everywhere else half that or less.


Man, motorbike parts prices suck!!

For less than $850 I can get a brand new 'big-enough-to-cool-a-reactor' sized alloy radiator for my F100!!!

[JimBob]

Cheers guys.

Yea Im just fucked off that his insurance broker just seems to brush me off, so Im going to try find out and deal with his insurance company directly.

Although even if I can get a quote for over $1600, doesnt that mean they will only pay the balance over $1600 and I will have to chase him up for the $1600 excess? Apologese for the dumb questions, but this is my first insurance claim on a vehicle.

gidday
a couple of things.
Make a complaint with the Police re careless use or whatever they advise.
Get the bike into a dealer and have a proper assesment done. The assesment fee is added to the bill.
Do you have insurance on this bike? If so make a claim with your insurance company. Provided you can show the other guy was at fault it wont (shouldnt) cost you excess, increased premium or no claims bonus.
If you dont have insurance get to their insurance company and make a claim.
Tell the insurance company where the bike is, their assessor will come and check the assessment and hand it on to the insurance company.
If they pay out and you want the wreck back thats up for negotiation. Something to be aware of, if its written off the rego MAY be cancelled and the bike will be on the computer as being written off. ie problems if you try and rerego the bike.
The excess. If the bike is repaired for say 2000$ the insurance wears 400$ someone has to pay the workshop 1600$ before the bike leaves. ie the guy, or you, and you hit him up for the 1600$ via small claims or asking nicely.
This not a problem if you are claiming via your own insurance. They will front the whole bill and claim from the other company. The insurance companies claim from each other all the time and its swings and roundabouts for them.
Even if the bill (parts and labour) is less than 1600$ go ahead with a claim. You have created a paper trail to use at small claims.
It doesnt take much to get to 1600$ on accident jobs. If you think you can do the job for well under 1600(parts and labour) go direct to the guy and offer him a deal, 1600$, you dont claim on his insurance, he doesnt lose his no claims etc, you will talk the mrs out of going to the police. He is going to pay anyway. Show him the $2200 assesment. You are saving both of you a lot of trouble.
A couple of hooks and snags to be aware of
What is actually happening here is you are claiming from him and he is claiming from his insurance company(even though you are filling out the paperwork). So he can turn around and tell his insurance company not to accept the claim. He can say to you that he will get the bike fixed. And if you flat out refuse, fix it yourself and then go to small claims to get him to pay, he has a defence. After all who is to say the homer you did is any better than the homer he would have done? He can come up with some rubbish about he could get all the parts at huge discount from his buddy at Midnight Yamaha, and if his parts quotes are less than yours you will wear the difference. His brother is a bike mechanic and would do the labour for free, etc etc etc. Document everything. And if you deal with the guy remember the object is to get him to willingly hand over 1600$ Playing the heavy can backfire bigtime.
It can be a real can of worms if YOU dont have insurance.
good luck

[Sniper]

Thanks JimBob. Yep MS does have insurance, but its only 3rd party because at the time, she couldnt afford full cover. I havent got our insurance involved because of that reason.

We have spoken to the guy and he is a bit annoyed at the insurance company, but understands that he is going to be liable to fix the bike

[JT.]

Thanks JimBob. Yep MS does have insurance, but its only 3rd party because at the time, she couldnt afford full cover. I havent got our insurance involved because of that reason.

Check your policy, I have 3rd party on one of my cars cause it aint worth full insurance and if someone crashes into me and accepts fault my insurance co will pay out up to 3K to have my car repaired.