Silly slow-mo bin

[CDFloss]

If you'd swerved right into him while he was going straight then you'd have most likely remained in your lane after the collision. The fact that you exited stage left suggests strongly that he was the one moving across the lane.

Good point there. Frankly I've watched a mate side swipe a van before and doubt I wouldve remained on the bike at all. With your momentum going to the right, the bike is naturally going to try to turn into the vehicle it hits.

When I contacted the cops they didn't give me any kind of reference. How do they look it up again? Rego?
From talking to the insurance (state) so far, I haven't been filled with confidence. They implied that if he still disputes my diagram and statement, then I have to take him to dispute tribunal if I want to. ??

The cop asked me if there were injuries and I said no. Finger isn't cut, just bruised (not even very sore today) so didn't think it counted.

Yes insurance is paid up. And I've had 2 cars, house, and contents with them for over 5 yrs now... So they better bloody come to the party.

Oh well. We'll see what tomorrow brings. Yes hoping there's no damage.

Thanks folks.

[mowgli]

Good point there. Frankly I've watched a mate side swipe a van before and doubt I wouldve remained on the bike at all. With your momentum going to the right, the bike is naturally going to try to turn into the vehicle it hits.

When I contacted the cops they didn't give me any kind of reference. How do they look it up again? Rego?
From talking to the insurance (state) so far, I haven't been filled with confidence. They implied that if he still disputes my diagram and statement, then I have to take him to dispute tribunal if I want to. ??

The cop asked me if there were injuries and I said no. Finger isn't cut, just bruised (not even very sore today) so didn't think it counted.

Yes insurance is paid up. And I've had 2 cars, house, and contents with them for over 5 yrs now... So they better bloody come to the party.

Oh well. We'll see what tomorrow brings. Yes hoping there's no damage.

Thanks folks.

Go to your doctor. Fill out an ACC form and get the finger checked. It's not uncommon for injuries, especially fractures, to present later when the swelling goes down.

Call the cops, describe the incident and ask for the file reference. Let them know that there were injuries and that you've filed an ACC claim as a result. This guy drove into you! Don't give him any quarter.

[FJRider]

How much excess do you have to pay... how big a bill to fix/check bike ????
If the cops don't want to pursue the issue, insurance Co. aren't going for your blood(cash).... is it worth the hassle of further arguement ??? You now have more "life experience" to remember...

[CDFloss]

How much excess do you have to pay... how big a bill to fix/check bike ????
If the cops don't want to pursue the issue, insurance Co. aren't going for your blood(cash).... is it worth the hassle of further arguement ??? You now have more "life experience" to remember...

Yes, there's the question of whether its worth getting stressed about, but my excess is $400, and then there's the no-claims bonus. I dont see why I should let this prick get away with blaming the accident on me, which will effect me finincially in the short term, and come back to haunt me in years to come whenever I insure anything again.

Find out today about the bike, so will give me an idea of how much its gonna hurt cost-wise. Will call insurance co as well to chase them up after I sent them my statement and stuff. Dont want it to drag out too long if I can help it.

[FJRider]

He may blame you, but is he taking the matter further. If he isn't taking it further...no worries. If repairs are under $400, pay yourself and keep insurance out of it. If no court action is taken, future insurance problems wont happen. Accidents do happen. Thats why insurance costs. How long before you turn 25 ????

[CDFloss]

He may blame you, but is he taking the matter further. If he isn't taking it further...no worries. If repairs are under $400, pay yourself and keep insurance out of it. If no court action is taken, future insurance problems wont happen. Accidents do happen. Thats why insurance costs. How long before you turn 25 ????

I'll only know if he's taking it further once they go back to him (or his insurance) with my statement - which in itself has been a headache getting to them (you'd think they'd understand the concept of email by now).
I understand the reason we have insurance (and I'm 27) - but want the insurance to pay for what's going to be at the very least the cost of an inspection and new indicator & lever from TSS - even if its only 1 or 2 hundred, thats WHY we have insurance, so I dont have to pay even that when the accident wasnt my fault. Let his (or his employer's) insurance pick up the tab for my excess.

Thats ideally of course, but like you said if he doesnt take it further, and the damage is minimal, then its probably not worth the grey hairs taking it further myself.

Meh, we'll see.

[nivram]

Any more news on damage to the bike and has the other guy admitted liability yet?

[CDFloss]

Any more news on damage to the bike and has the other guy admitted liability yet?

Nope & nope. (hopefully)

[FJRider]

I'll only know if he's taking it further once they go back to him (or his insurance) with my statement - which in itself has been a headache getting to them (you'd think they'd understand the concept of email by now).
I understand the reason we have insurance (and I'm 27) - but want the insurance to pay for what's going to be at the very least the cost of an inspection and new indicator & lever from TSS - even if its only 1 or 2 hundred, thats WHY we have insurance, so I dont have to pay even that when the accident wasnt my fault. Let his (or his employer's) insurance pick up the tab for my excess.

Thats ideally of course, but like you said if he doesnt take it further, and the damage is minimal, then its probably not worth the grey hairs taking it further myself.

Meh, we'll see.

With the excess at $400, no matter how much the final bill is, the FIRST $400 is what you pay. You agreed to that when you signed the policy. Minor prangs and "incidents" are annoying and costly, but part of the real world. Learn from it... move on... and if there is a next time...you will be looking harder for dickheads in cages...

[CDFloss]

Yeah I get the concept of an excess, but the point is that if he's at fault, then he (or his insurance) pays my excess for me... win/win for me.

Have spoken to my insurance again, and after reading my statement (which they say puts him firmly at fault) they're going to get a statement from him, and if they reckon that he's in the wrong, they'll waive the excess.

In the mean time the bike's getting fixed either way, so I'm happy-ish.

[Rev DJ]

Hi CDFloss, sorry to hear about your off - and I support fully your actions in seeking to clarify the 'at-fault' issue. This is where mowgli's point is important about making an ACC claim and a statement to the Police as this is where you can record the comments made at the scene - "sorry mate I did not see you" - this is an admission of liability. Many companies specifically instruct their drivers to NOT ADMIT LIABILITY - i.e. dont say anything! In my book you have got these guys simply because they have admitted liability already.

Hope all goes well...

DJ

[CDFloss]

Bike is ready.

$306 - not too bad. Now just need to find the time today to pick it up.

[FJRider]

Sounds like you got a good insurance co.

[CDFloss]

Sounds like you got a good insurance co.

Isn't that an oxymoron?

[Yossarian]

Hello CDFloss,

I just came across your thread regarding your bin. I have a similar story that happened two weeks ago.
I was on my Honda VTR250 going striaght through a roundabout. A truck driver failed to give way to me and clipped my front wheel , knocking the bike over......No injuries and after much swearing I calmed down. Truckie says "I didn't see ya mate"......this was midday and nice and sunny...
Two people who saw the crash left me their contact details, and me and the truckie go to the cop shop just up the road. We filled out a formal statement and I drew a diagram indicating what happened and he signed it admitting that he was totally at fault.
I wanted to maintain an amicable relationship but it turns out this idiot is self employed but said he worked for a company, I finally got the contact details of his boss, I rang him up and gave him the benefit of the doubt and asked him was he aware that his employee was involved in a road accident, to which he said no....I explained what happened. The boss said that he didn't come in to work for two days and when he finally came in on Thursday, the boss gave him the bullet (because he didn't turn up for work)
So I'm being told a load of different stories. I can't claim on my insurance as it ran out three weeks prior to the incident.....and (believe it or not) I was actually on the way to a bike shop to sell it. So now it looks like I'll have to go down the small claims tribunal road to try and get 1700 bucks out of this idiot. Has anyone on here ever done this? as I would be very greatful for any advice regarding this.

Thanks for reading.

Yoss.