Insurance claim question

**DMNTD:Me** · 2nd September 2011, 19:23

Originally Posted by renegade master

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)

What you don't get is that I want to win 1st division Lotto

Right...somehow try and accept that you would not get your bike repaired to its current state due to a few bollixy pooh things if the damage is more than just 'minor'. Sadly it is simply just the way it is...accept it or go to court with the 'offender's' insurance company and I can assure you that their lawyers are employed to do their utmost to ensure that you do not win....this is a fact, please move on.
I do recommend that you have your bike assessed by a motorcycle shop as soon as you're able. This would help with your insurance if you have any 'issues' in the future. I recommend that you do this say every 6-12 months.
I do also recommend that in your situation, that you choose to get yourself FULL insurance to remedy the potential of the proposed situation that you have mentioned.
Attempt to get an agreement with your insurance company as to what your bike is worth. This will required you getting at least one (prolly 2) assessments by bike shops for its market value.
Fuck it...need to re-fill my bourbon...

**The Pastor** · 3rd September 2011, 00:22

Originally Posted by DMNTD

What you don't get is that I want to win 1st division Lotto

Right...somehow try and accept that you would not get your bike repaired to its current state due to a few bollixy pooh things if the damage is more than just 'minor'. Sadly it is simply just the way it is...accept it or go to court with the 'offender's' insurance company and I can assure you that their lawyers are employed to do their utmost to ensure that you do not win....this is a fact, please move on.
I do recommend that you have your bike assessed by a motorcycle shop as soon as you're able. This would help with your insurance if you have any 'issues' in the future. I recommend that you do this say every 6-12 months.
I do also recommend that in your situation, that you choose to get yourself FULL insurance to remedy the potential of the proposed situation that you have mentioned.
Attempt to get an agreement with your insurance company as to what your bike is worth. This will required you getting at least one (prolly 2) assessments by bike shops for its market value.
Fuck it...need to re-fill my bourbon...

You dont get it,

If i Had full insurance, and I wanted to claim on that full insurance (although at a non at fault accident, my insurance doesn't really come into it), then my bike would be doomed to the scrap heap. For no fault of my own.

Let me put it this way, what if i was riding the last ever britton, or the 1st ever harley, or a bike that has 1million times infinity non monetary value, dose the bike just get scraped?

**The Pastor** · 3rd September 2011, 00:26

Originally Posted by 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.

Yeah you understand,

Is it unfair to ask them to fix my bike to pre accident condition? I really cant see how it is unfair, but everyone, including NAC insurance seem to think so.

**sleemanj** · 3rd September 2011, 00:57

Forget that the insurance company exists.

If no insurance company existed in the situation what would you do.

You would get quotes to fix your vehicle to the standard to which you are satisfied, multiple quotes, at least 3. You would then present these quotes to Mr D. Head. And you would tell him, pick one, and give me the money.

If he doesn't give you the money, then you start legal proceedings, depending on the value probably just in the Disputes Tribunal for starters (this will cost you a small amount, you can NOT add it onto the claim).

Ok, so that's what you'd do with no insurance company involved. With an insurance company involved, what you do, is exactly the same, if Mr Head wants to take the quotes to his insurers then fine, if Mr Head wants to bring his insurers to the Disputes Tribunal then fine, but you have a disagreement with Mr Head, that he is asking his insurers to resolve it is nothing to do with you.

**thepom** · 3rd September 2011, 08:04

And of course you have informed your insurance company of all modifications carried out....

**The Pastor** · 3rd September 2011, 10:48

Originally Posted by thepom

And of course you have informed your insurance company of all modifications carried out....

I don't have insurance....... was this not clear, or is the quota of idiots on kb increasing?

**thepom** · 3rd September 2011, 11:11

errrrr.....increasing?....am I correct????

**baffa** · 3rd September 2011, 11:42

Originally Posted by 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.

Sounds like a great plan. I can't see any flaw in that logic.

**baffa** · 3rd September 2011, 11:45

God after re-reading this, the amount of stupid is painful.

No wonder people dont like Insurance companies, they're too thick to understand them.

**sinned** · 3rd September 2011, 13:05

There is just one thing you need to know: "life's a bitch and then you're dead". So why don't you buy another bike and go for a ride?

**BMWST?** · 3rd September 2011, 13:55

and of course you have recepits for the parts and modifications that make your bike 7000 more than the normal market value.A Britten or original harley would not be uninsured,and the actual value would be an agreed ammmount.

**Jantar** · 3rd September 2011, 14:03

RM, As you are not insured, you have no obligation to deal with Mr Head's insurance company. Write to Mr Head and expalin that any dealings he may have with his insurance Co are his business and not yours.

Get some quotes to repair your bike and pass these quotes on to Mr Head. Give him the option of paying to repair your bike, or replace it with a similar make/model with exactly the same modifications and paintwork.