What the f*#*k do I do?

**piston broke** · 16th December 2008, 20:00

shite.
just let you're insurance co deal with it.
just step back.

**jaymzw** · 16th December 2008, 20:03

Originally Posted by 96 600ss

shite.

Geesh i wrote that while eating my tea! That was quite a long post haha.

**piston broke** · 16th December 2008, 20:08

hey,you pay them,insurance co, a lot of coin.
let them do something to earn it.
don't say or do anything that the girl's team can use against you

**jaymzw** · 16th December 2008, 20:11

Originally Posted by 96 600ss

hey,you pay them,insurance co, a lot of coin.
let them do something to earn it.
don't say or do anything that the girl's team can use against you

Nah i wont. But its pretty clear cut after getting everyones opinion on here aswell as everyone else that would listen to me for 5 seconds. She sat on my baby without my permission and now she has to pay. I have anyone of 20 witnesses haha

**HungusMaximist** · 16th December 2008, 20:14

Well as far as I can see it, your friend from work can't really deal with a situation on this scale by herself (she is a wee teen girl afterall) so it's better to get daddy and uncle involved.

However you have to establish your grounds assertively beacuse I am beginning to feel that they're either try and flake on you or make a fuss about it. Like you mentioned the dad/uncle probably don't really know the whole story as they haven't spoken to you directly so you can assume whatever they've been getting could be a bunch of crap.

However like most things you live and learn. It's important when shit like this happen you act fast, as soon as it happened, you grab the number of her dad and contact him about this, because the longer events unfold the more drama you gonna get.

It's important for you now to act as appropriate as you can, don't be a dick, and just establish your facts as assertively as you can. Once everything mounts up they should budge or at least see things clearer.

**turtleman** · 16th December 2008, 20:57

For fuck sake - get it assessed, and have nothing more to do with them. Now. Stop the pissing around.
Do not contact them. Do not reply to them, other than to say that they should communicate with your insurance company, and only with them.

You're just digging yourself a fucking big hole if you continue this way, and are gonna end up paying for the lot yourself.

**gatch** · 16th December 2008, 21:25

i reckon, dont be offended man, but for fucks sakes hurry your shit up and make it happen, there might be some kind of clause in the insurance noting a time limit to claim after an incident..

**Starky307** · 16th December 2008, 21:58

Leave it to the insurance company to sort out, stop texting and end all communication outside of work about the subject, it will only come back to bit you in the end.

That's my $0.02

**motorbyclist** · 16th December 2008, 22:48

Originally Posted by turtleman

For fuck sake - get it assessed, and have nothing more to do with them. Now. Stop the pissing around.
Do not contact them. Do not reply to them, other than to say that they should communicate with your insurance company, and only with them.

You're just digging yourself a fucking big hole if you continue this way, and are gonna end up paying for the lot yourself.

+1

the girl is at fault therefore pays the excess - this is what insurance is for

**Mystic13** · 16th December 2008, 23:08

I'm with the others. No txt, no phone calls. Just email or fax the quote to them for the work to be done. Do everything in writing with them. But don't agree to anything. There are usually specific clauses about you agreeing to things with the other party in insurance policies.

It's an insurance matter. I think by all means send them the quote and say this is it. Do you want to agree in writing to do the work or do you want me to forward it to insurers.

The reality is even if they agree to pay in writing they can still not pay then you have to do a disputes tribunal claim which tends to side with the weaker party (her). If you give it to your insurers the whole thing is done and dusted.

Just a bit of advice. - You jump to conclusions from communication and usually negative ones. It could well be the uncle has stepped in because he knows bikes. He may be friendly and willing to deal with this and just wants to see the bike. He may be able to do the repair to your satisfaction and save niece a bit of dosh. He may well be a nice guy. If it were me i'd go easy on my responses in case it was all good. IRiders are generally good folks.

So in that case if half of this is true, the fact you have numerous witnesses to the event means you have no issues about it getting fixed. If they start to question it you point that out and let em know you are just there to save them some money. Don't get into discussions about whose fault if that arises. Just assume there is no issue around that and it's not up for discussion.

If the cost is below $730 then the insurer will only seek the cost not the excess. I'm not sure how you save them money. Is it by replacing the parts yourself. Uncle may already be thinking that's where he can come in handy. If you meet with him have another reliable capable person on your side present. (That may be your Dad).

Thems me thoughts.

**PirateJafa** · 16th December 2008, 23:14

Contact insurance and give them a heads up.

Then CALL this dude. Stop texting him. Record the conversation, yes, but TALK to him. Things can be misunderstood in text messages - there is not emotion. A five minute conversation will be more than enough to explain what happened, that you have witnesses to the incident, and determine if he is willing to try and suss it or screw you.

**Pascal** · 17th December 2008, 06:35

I'll repeat what everybody here has said. Do NOT talk to them. Let your Insurer deal with it. That is what they get paid for. Anything you say now, especially if it you put it in txt or email or whatever can be used to screw you.

They are evidently out to screw you. Do not take the risk. Your insurer is filled with a lot of big, bad-asses with pencil protectors who screw people with a smile. Let them handle it.

**insomnia01** · 17th December 2008, 06:47

Insurance companys can be the worst people to deal with at the best of times ( very much like IRD

) as everyone on here has advised you, let them earn their keep & have them deal with it.... as for the girlie???

be professional in your approach ( your her boss right? ) don't bring any anger you have for her & the situation to work ( makes things worse ) I'm sure with all the advise on here buddy you will do the right thing hopefully in time for summer

keep your chin up

**thehollowmen** · 17th December 2008, 06:51

Insurance companies often use a lot of lies when they don't want to insure somebody high risk. I have been told this from an AMI insurance agent who is a friend of mine.

"No, we don't insure" Harley Davidsons/ducati's/sports bikes is common.
Also "in your area" or "without a full license" or "without secured indoor parking"

What you need to do is show them your insurance history and say that you won't be a high risk rider. Do a defensive driving cert or training days and fit an alarm if need be.

Originally Posted by Pascal

Random curiosity, the AA is my regular insurer. When I called them and asked about insurance they said they would only insure riders on Full Licenses.

**Pascal** · 17th December 2008, 07:13

Originally Posted by thehollowmen

What you need to do is show them your insurance history and say that you won't be a high risk rider. Do a defensive driving cert or training days and fit an alarm if need be.

Yeah, good idea. But I spoke to Dave from KiwiBike and he sorted me out right smart. They're awesome people to deal with, specialize in motorcycles and the premiums are just dandy too - only a tad more expensive than my Mustang, so I'm happy.