Advise required

**johnsf1980** · 13th July 2005, 19:43

A few minutes ago my flatmate backed out of the garage and straight into my beautiful (not so beautiful anymore) motorcycle knocking it over and shattering the fuel tank and various other bits.

Going to take it in to the garage to get it evaluated tomorrow but I reckon its going to need a new fuel tank, etc.

Both my flatmate and I have insurance but Ive never had to claim insurance before in NZ.

Please can someone advise how I should go about this? The bikes insured for $ 7000 and I believe I have a 15% excess

**SuperDave** · 13th July 2005, 19:54

What the hell? Your flatmate needs to claim from his/her insurance and cover all your repair costs. Well that's what seems fair to me - it was his/her fault in the first place.

**johnsf1980** · 13th July 2005, 19:57

Originally Posted by SuperDave

What the hell? Your flatmate needs to claim from his/her insurance and cover all your repair costs. Well that's what seems fair to me - it was his/her fault in the first place.

Is that how it works? Please can someone confirm this? That would be sweet!!!

**crashe** · 13th July 2005, 20:00

John..... your flatmate goes to their insurance company....
your flatmate will loose their no claims.... NOT you.

Or you can find out how much it will cost to repair it back to what is was like before it got hit, that includes the tank to be painted to the colour it was.... and your flatmate pays you in cash or the bill goes into their name to pay off without your name on the bill at all.
To do that take it to a bike shop to get the full cost of repairs.

But first find out how much before you decide which way to go on this.

YOUR flatmate hit your bike... they pay.

**James Deuce** · 13th July 2005, 20:02

Originally Posted by johnsf1980

Is that how it works? Please can someone confirm this? That would be sweet!!!

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

**justsomeguy** · 13th July 2005, 20:18

Originally Posted by Jim2

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

Yes - that is the correct route.

-----------------------------------

If you can trust your flatmate to pay in cash for the repairs and the cost of the repairs are less than your flatmates excess then you may agree to have him fix it that way.

If however it is too expensive then you must do as Jim2 says.

Whatever the scenario it is up to your flatmate to repair the bike as it is "his fault" that the accident occurred.

**Devil** · 13th July 2005, 20:22

Originally Posted by Jim2

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

Get the quote, if your flatmate doesnt want to pay to fix it straight out of their pocket, then do the above.

Personally, I'd give the person a chance to just pay to fix it first if its not too much.

**johnsf1980** · 13th July 2005, 20:23

Originally Posted by Jim2

You BOTH need to lodge a claim. Your insurance company will recover the cost of repairs from your flatmate's insurance company and you won't lose your no claims.

This makes sense.....

This is all just so upsetting.... my motorcycle

:unsure:

**matthewt** · 13th July 2005, 20:44

Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.

**Zapf** · 13th July 2005, 20:49

Originally Posted by matthewt

Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.

what about in the middle of the road? Just in case I want to change bike some time...

**JohnBoy** · 13th July 2005, 20:54

something similar happened to me...

i brought a car at the begining of the year just to own it for a couple of weeks until someone backed into me.
all i did was get a series of quotes and we settled on the median price, much better than mucking around with insurance and so forth and you can choose where you get it fixed.

**johnsf1980** · 13th July 2005, 20:57

Well I was parked on our drive-way just outside the garage... flatmate opened garage and backed out straight into my motorcycle

Originally Posted by matthewt

Something I learned a while ago is that if your vehicle is parked in plain sight and someone hits it then it's nearly always their fault. Even if you're parked on a no-parking zone

I nearly got conned into taking $150 towards fixing the bike that was knocked over while it was parked. I ran the situation past my insurance company and they confirmed it was his problem not mine. I put a claim in and it was all sorted. At the time State had a special form for vehicles that are hit while being parked.