Insurance claim question

[The Pastor]

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

I have no contract with the insurance company?

[Indiana_Jones]

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???

+1

See too many kids driving/riding without insurance and when asked what happens if you crash into a $100,000 Jag, they reply "oh but if he can afford that he'll have insurance too, duh". Of course they fail to remember that his insurance is gonna want their cash back.....

3rd party isn't that much really.

-Indy

[Indiana_Jones]

I have no contract with the insurance company?

No, but you want to take him to court. The insurance company represents him.

The idea being he's off-loaded the problem from himself to the insurance company.

-Indy

[baffa]

You need to insure your bike for full cover, and arrange an agreed value that includes the modifications. This is possible with cars, so I imagine they can do it with bikes, but your premiums would be reasonably high.

Then if someone hits you, you can claim with your insurer, and they will deal with the other party's insurer.

And once again, court should only be considered after using an Ombudsman.

[The Pastor]

No, but you want to take him to court. The insurance company represents him.

The idea being he's off-loaded the problem from himself to the insurance company.

-Indy

How can I take someone I have no contract with to court?

[The Pastor]

You need to insure your bike for full cover, and arrange an agreed value that includes the modifications. This is possible with cars, so I imagine they can do it with bikes, but your premiums would be reasonably high.

Then if someone hits you, you can claim with your insurer, and they will deal with the other party's insurer.

And once again, court should only be considered after using an Ombudsman.

you don't understand, i don't want money, i want repaired bike. NO insurance company will have a repair only contract with a customer.

[baffa]

you don't understand, i don't want money, i want repaired bike. NO insurance company will have a repair only contract with a customer.

I do understand. What you're asking for will not happen.

Unless you are have insurance yourself that matches the terms you expect.

Lets say I am insured with Company A, and you have no cover.
If I hit you, Company A will repair your bike as long as the repairs arent worth more than roughly 80% the value of the bike, whereupon they will write it off.

Second option, you have full cover with Company B, and they have agreed to insure your bike your way. So lets say it was a $2000 bike with $8000 modifications, and you and them have agreed to insure it for a total of let's say $8000.
I crash into you, and instead of Company A writing off your bike, you claim with your company B, and the bike is repaired, and they claim the costs from Company A.

My insurance company has no responsibility to you other than torepair your bike if it is near or over the market value for your model. Their priority is to look after me, their customer.

As far as im concerned, unless you have insurance yourself, at fault or not, you dont really have a leg to stand on.

Hope this helps

[The Pastor]

I do understand. What you're asking for will not happen.

Unless you are have insurance yourself that matches the terms you expect.

Lets say I am insured with Company A, and you have no cover.
If I hit you, Company A will repair your bike as long as the repairs arent worth more than roughly 80% the value of the bike, whereupon they will write it off.

Second option, you have full cover with Company B, and they have agreed to insure your bike your way. So lets say it was a $2000 bike with $8000 modifications, and you and them have agreed to insure it for a total of let's say $8000.
I crash into you, and instead of Company A writing off your bike, you claim with your company B, and the bike is repaired, and they claim the costs from Company A.

My insurance company has no responsibility to you other than torepair your bike if it is near or over the market value for your model. Their priority is to look after me, their customer.

As far as im concerned, unless you have insurance yourself, at fault or not, you dont really have a leg to stand on.

Hope this helps

so i'd be out of pocket due to your actions?

[Indiana_Jones]

How can I take someone I have no contract with to court?

It's not about contracts between you and the other parties insurance.

He has paid his insurance and claim to his company. In effect they have brought the problem off him. So you now deal with them instead of him.

-Indy

[Indiana_Jones]

so i'd be out of pocket due to your actions?

Pretty much

I got left with nothing after a drunk hit me as I only had 3rd party and his insurance wouldn't pay as he was pissed.

I didn't chase the matter up as I had sold the bike on, so can't comment if I had any course of action to follow.

-Indy

[Ender EnZed]

How can I take someone I have no contract with to court?

You have no contract with Mr. Dickhead either.

I'm no insurance expert but I would imagine your best bet would be to go apeshit at the insurance company (saying that replacement would cost $7k not $2k) and hope you meet someone up their foodchain who just wants rid of you.

[The Pastor]

You have no contract with Mr. Dickhead either.

I'm no insurance expert but I would imagine your best bet would be to go apeshit at the insurance company (saying that replacement would cost $7k not $2k) and hope you meet someone up their foodchain who just wants rid of you.

you dont get it, I dont want replacement.

and no I don't have a contract with mr dickhead, but the accident was mr dickheads fault, there for its up to HIM to pay it. How he pays is 100% up to him. (i.e., try and get his insurance to pay)

[Ender EnZed]

you dont get it, I dont want replacement.

You want a bike that's the same as you had before it got hit, not just the same year and model. Use a different word if you want. Maybe argue that it can't be replaced and as such it needs to be repaired.

[Scuba_Steve]

you dont get it, I dont want replacement.

Maybe argue that it can't be replaced and as such it needs to be repaired.

I have a feeling that can & has been done? but I would have a feeling it is no small fight, be prepared for a decent court battle.
Maybee search it out I do have a feeling a women in NZ did just that??? but it took a High court and a long time to achieve.

Of course I could be imagining it all too, insanity does that to you...

[DEATH_INC.]

I get what you are saying. How can his insurance company write off your bike? They don't own it. He doesn't own it. You have no agreement with anyone for them to take it from you. All you are asking is for it to be returned to it's original state. I think you could beat it, with the right lawyer.