So... I was in a crash

**SILVER SUZI** · 12th November 2012, 11:59

Originally Posted by Drew

First thing you do is post it on KB to get sympathy and attention.

Then you act like you're retarded and don't know what to do.

Then you make sure no thinks it's your fault.

Once you have achieved all of this. You call your insurance provider and make a fucking claim. If you are not insured, you call her insurer.

+1 (now you can use that swear word on me, and get the random wo/man even more excited)

**Tigadee** · 12th November 2012, 12:00

Originally Posted by jrandom

And, trust me - if you don't have to claim on your own insurance, don't. Paying the excess is only part of the cost. Bike insurers keep a very close eye on how much we all crash. They have files on most people here. All your future motorcycle insurance will be affected by your crash history.

For 12 months... If you're good after that, your premium goes back to normal. I hit a car in April or May and now the insurance company has raised my premium by $100. But if I do not have any more incidents in the next 12 months, they will bring the premium back down to before.

**Lozza2442** · 12th November 2012, 12:15

Originally Posted by SILVER SUZI

+1 (now you can use that swear word on me, and get the random wo/man even more excited)

Nope. You didn't have an original thought so you don't get the privilege.
Nice try at baiting Mr Troll.

**Lozza2442** · 12th November 2012, 12:16

Originally Posted by Tigadee

For 12 months... If you're good after that, your premium goes back to normal. I hit a car in April or May and now the insurance company has raised my premium by $100. But if I do not have any more incidents in the next 12 months, they will bring the premium back down to before.

That's good! Who are you with?

**Drew** · 12th November 2012, 14:34

Originally Posted by Lozza2442

Hahaha it's just a swear word! If the situation/person deserves it, I'm gonna use it.

Aw, I only got called a dick, and you freely use the word cunt.

Must try harder!

**SILVER SUZI** · 12th November 2012, 14:40

Originally Posted by Lozza2442

Nope. You didn't have an original thought so you don't get the privilege.
Nice try at baiting Mr Troll.

Looks like you need a can of this stuff

**Drew** · 12th November 2012, 14:41

Originally Posted by SILVER SUZI

Looks like you need a can of this stuff

http://www.kiwibiker.co.nz/forums/at...&thumb=1&stc=1

Link not working!

**Str8 Jacket** · 12th November 2012, 14:44

The best thing that I ever did was write my GN off..... Learn't a lot about my (lack of) riding skills and a healthy respect for motorbikes. Also bought a much better bike from the insurance payout and got some help with my riding.....

Glad you're all good.

**Crisis management** · 12th November 2012, 14:45

Originally Posted by jrandom

Next time something like this happens, make the car driver stay put, call the cops, and get them to issue the driver a ticket or otherwise pronounce upon whose fault it was at the scene.

Good luck with this, last time I tried that I was told that as no one required an ambulance they couldn't be bothered (or they would get around to it when they were less busy).

Apart from that small point you are 100% correct in your post.

To the OP, insurance, go talk to them, they have more clout than you have and keep an eye on your ankle it's surprising how far you can go carrying an injury.... a couple of examples from my acquaintances (and we are all broken down old farts in our 50's & 60s): broke foot, got home after a weeks touring and got sent to hospital by wife; same ride, another person, broke collar bone, rode 1000kms off road adventure ride, rode home (500kms) got sent to hospital by wife, plated and stitched up collar bone.

Seems wives are sensible, who would have thought that?

**neels** · 12th November 2012, 14:55

If you have insurance, and you have witnesses to the fact you were not at fault, put a claim in. If the other party doesn't want to claim that's up to them, better your insurance company chasing them for the money than you having to do it.

**Tigadee** · 12th November 2012, 15:47

Originally Posted by Lozza2442

That's good! Who are you with?

Star Insurance, through Kiwi Bike.

**Conquiztador** · 12th November 2012, 16:02

A lot of waffle here.

It is quite simple actually:

If you have an accident that does not require ambulance and/or police do this:

1. Take the other driver/rider's details including their insurance company. (Please write them down your self from their license... and rego sticker on car...) Also get details from possible witnesses.
2. Contact your insurance company to inform them of the accident. They will send you a form to fill in with all the info they need re the accident.
3. Take the bike to a known bike shop that repairs bikes (preferably the same make as yours). Ask them to give you a quote on fixing the damage on the bike.
4. Return the filled in Insurance company form (with details of the other driver/rider incl. contact details). Also, if possible, add details of witnesses. And add a copy of the repair quote.

Now your insurance company will do what you pay them for, and if you have choosen well they will very soon contact you with the green light to have the bike fixed up at the expense of the other driver/rider (as his/her insurance company has agreed that it was in fact his/her fault). This should NOT affect your insurance in any way. If it does it is time to look for another one.

If your bike is put in a workshop to be repaired ask your Insurance company to get the other drivers/riders insurance company to pay for a courtesy vehicle. Worth a go... If not, then see if you can find a bike shop that has bikes they can lend you.

Good luck.