Had a crash, need advice...

[Burger]

This morning I had an accident on my bike, turned into work and wasn't paying attention to oncoming traffic, and got t-boned buy a car. Totally my fault, and pretty gutted about the whole thing. Damage to both sides of the bike, foot brake ripped off, fairings busted. I've left it here at work for the time being.

My insurance had lapsed some time ago, but for some reason I was motivated last night to sort it out, and rang up and got it fully covered.

However, my WOF and Rego had both lapsed, and I was going to get that sorted today, until the accident.

So what do I do ? Do I even bother telling the insurance company ? I'm definitely not covered without those things. What about the other car, will they be covered ?

Better start saving I guess

[Nagash]

You said it yourself.. better start saving.

That's a real bitch of a situation to be in mate especially with such a nice bike.

I assume you didn't with stand any injuries yourself.


It may be worth talking to the driver's of the car and perhaps setting out a long-term payment option. Hopefully they'll be fairly reasonable about the whole thing.

[nodrog:Me]

ill buy the sidestand off you to help with costs.

talk to your insurance company, you may be surprised.

[Squiggles]

Yes, talk to insurance, the bike was presumably in a "warrantable state" at the time, and its condition didnt cause the accident, im not sure how they deal with registrations...

[Usarka]

I'm definitely not covered without those things.

How do you "know" this.....?

[TOTO]

I think insurance will go trough mate - talk to them (and be really kind and nice)

[Burger]

How do you "know" this.....?

I don't know, I assumed. I can't imagine an insurance company would pay anything if you were riding an unwarranted, unregistered vehicle.

I haven't had much to do with insurance companies before so I don't know what the deal is.

I'm prepared to take responsibility though. It was stupid to ride the bike, and I caused the accident.

[skidMark]

talk to insurance, theres no harm in trying.

[Usarka]

I don't know, I assumed. I can't imagine an insurance company would pay anything if you were riding an unwarranted, unregistered vehicle.

You know an assumption makes an ass out of you and umption....

If the accident wasn't as a result of a mechanical failure on the bike then you are in with a chance.

Probably the biggest suspicion they'll have is a claim the day after you started the policy!

Give em a call....... and good luck.

[CookMySock]

I'd tearfully fess up to them and tell them the whole sorry story. Likely they will cover you for that I think. If they wont, them flame fuck out of them on KB.

Steve

[boman]

My sister got an insurance payout in an unregistered and unwarranted rav4. It seems because the accident wasn't because of a mechanical fault they paid. Pissed me off, as I had been preaching to her for as long as I can remember about not having both up to date and crashing, then the insurance dosn't usually payout. And then they pay out.

So talk to the insurance company. The worst that can happen is they say no.

[pzkpfw]

They'd find out anyway, wouldn't they?

[Trouser]

Like every ones said. If the vehicles condition didn't contribute to the crash then the WOF status is not relevent. The registration is totally irrelevent to any insurance claim.

[vifferman]

The important thing here is disclosure. The insurance company have an 'out' if you don't tell them the truth, so while they're unlikely to deny the claim because of the lapsed WOF and rego, they have a contractual right to refuse to pay if you lie to them or withhold information, as when you accepted the insurance policy in the first place you agreed to this clause.

[The Stranger:Me]

The important thing here is disclosure. The insurance company have an 'out' if you don't tell them the truth, so while they're unlikely to deny the claim because of the lapsed WOF and rego, they have a contractual right to refuse to pay if you lie to them or withhold information, as when you accepted the insurance policy in the first place you agreed to this clause.

I haven't had an insurer ask about a rego or warrant yet and have made and been paid out for claims on vehicles with expired shit.
Don't ask, don't tell. If they do ask, well as noted above, best not to lie.

More importantly, STFU!
Don't jump on the Internet and announce to the world that your insurance isn't up to scratch i.e. no rego or warrant.

At least 2 people have had big trouble with insurance claims as a result of posts on KB. One had his claim denied and became subject of a fraud investigation as a result of his own posts.

But hey, it's only money right, easy enough to get more.