Insurance claim question

[The Pastor]

So you're an uninsured party?

Get a lawyer.

yep thats what I would think, but you would take the dickhead, NOT the insurance company to court?

then he would be like WTF, I pay insurance to cover me for 3rd party wtf am i doing in court?

Its pretty scary how im at risk due to other people.

[baffa]

That's not entirely true. Before going through the drama of court, you have a few other steps you can follow.

If you are unhappy with a claim, first you should complain to the claims manager, and if not resolved from there, you should seek the help of an Insurance Ombudsman.

They are a neutral party who will hear both sides (you and NAC) and decide an outcome. Ps: The insurance company has to pay for their services.

Although in your case there is a big disparity between what you want and what the Insurance company seems realistic, this is the best option.

[English Kiwi]

Why would the insurance company spend more repairing your bike than what it is currently worth? Insurance companies arent there to be a charity.

Alternatively, dont ride a $2000 bike.

+1

I work for an Insurance company, unless he arranges a Buy Back clause in his contract...it'll go to the wreckers!

[Oscar]

yep thats what I would think, but you would take the dickhead, NOT the insurance company to court?

then he would be like WTF, I pay insurance to cover me for 3rd party wtf am i doing in court?

Its pretty scary how im at risk due to other people.

You have a go at Mr. Head, and he runs screaming to his insurers.
He subrugates his rights to the insurer.

[Oscar]

That's not entirely true. Before going through the drama of court, you have a few other steps you can follow.

If you are unhappy with a claim, first you should complain to the claims manager, and if not resolved from there, you should seek the help of an Insurance Ombudsman.

They are a neutral party who will hear both sides (you and NAC) and decide an outcome. Ps: The insurance company has to pay for their services.

Although in your case there is a big disparity between what you want and what the Insurance company seems realistic, this is the best option.

He's not insured.
He doesn't have to do what the insurer says, he can sue them directly if he wants.

[The Pastor]

That's not entirely true. Before going through the drama of court, you have a few other steps you can follow.

If you are unhappy with a claim, first you should complain to the claims manager, and if not resolved from there, you should seek the help of an Insurance Ombudsman.

They are a neutral party who will hear both sides (you and NAC) and decide an outcome. Ps: The insurance company has to pay for their services.

Although in your case there is a big disparity between what you want and what the Insurance company seems realistic, this is the best option.

All i want is my vehicle repaired, don't want money/pay out. and if they do pay out, why do I have to buy back my vehicle just cos someone crashed into it.

and i'm aware of the different steps, but i'm picking that this scenario would easily end up in court.

[baffa]

Modifications make it tricker.

A $2000 bike with a $1000 exhaust doesnt make it worth $3000. But the insurance company should be able to prove your bike is only worth $2000.

Maybe you'll have to let them write it off then buy back the wreck and strip the parts?

[The Pastor]

You have a go at Mr. Head, and he runs screaming to his insurers.
He subrugates his rights to the insurer.

I'm not sure what you are saying here, are you saying I should or should not take the mr head to court?

[The Pastor]

Modifications make it tricker.

A $2000 bike with a $1000 exhaust doesnt make it worth $3000. But the insurance company should be able to prove your bike is only worth $2000.

Maybe you'll have to let them write it off then buy back the wreck and strip the parts?

Why should I have to do that, I don't want to do the work on repairing the bike, It was perfectly fine until dickhead crashed into it.

is it unreasonable to want ur bike repaired?

[Oscar]

I'm not sure what you are saying here, are you saying I should or should not take the mr head to court?

If you want to put maximum pressure on the insurer in question, pester Mr. head, who will scream blue murder to his insurers.

Ring him, e-mail and write to him saying you consider him responsible for the damage and you are not happy with what you're being offered.

I'm not sure using a lawyer for an amount of this size is economical, so consider using the disputes tribunal.

[dogsnbikes]

All very well if the one who crash's into you is insured.....but what if they have no insurance??? Then its off too the courts and could cost more than you expected...

personally if you don't have insurance,you should have enough funds in reserve too repair your bike back too orignal or find and identical replacement...

But what if its you thats in the wrong and have too pay for someone else's property?? then what are you going too do???

[Maha]

I dont like insurance.

BUT, this has been on my mind for a while.

If someone crashes into my $2,000 bike, and dose $7,000 damage. Can I force their insurance to repair rather than replace it?

$7,000? thats a big dose of anything which ever way you look at it...

[The Pastor]

If you want to put maximum pressure on the insurer in question, pester Mr. head, who will scream blue murder to his insurers.

Ring him, e-mail and write to him saying you consider him responsible for the damage and you are not happy with what you're being offered.

I'm not sure using a lawyer for an amount of this size is economical, so consider using the disputes tribunal.

tbh, i hope i'm never in this situation, but i'm thinking about my unfinished project bike.

if I did lawyer up, surely i could claim this cost as well?

the big problem is, I cant have insurance. If i did get insurance, they would write the bike off (as per my contract with them), and i'm down my bike, well i would have to buy it back and do the work myself, but why would I have to? if i want it repaired to the same standard i'd be out of pocket!

[Indiana_Jones]

It'd be you and the insurance company in court rather than the other party.

Otherwise what's the point of him paying for bloody insurance?

-Indy

[The Pastor]

All very well if the one who crash's into you is insured.....but what if they have no insurance??? Then its off too the courts and could cost more than you expected...

personally if you don't have insurance,you should have enough funds in reserve too repair your bike back too orignal or find and identical replacement...

But what if its you thats in the wrong and have too pay for someone else's property?? then what are you going too do???

3rd party only. or just pay for the repairs.