Crashed my CBF250

[The Stranger:Me]

what is there to learn exactly from this incident?

Don't post accidents on teh Internet if you don't want to be hassled.

[Neshi]

what I wanted to know was if somebody had experience with insurance after an accident which wasn't your fault, but there were no witnesses.
The one who ran me of the road didn't stop either.. I reported it to police.

Will insurance pay or probably not?

[Lilly2w]

I'm beginning to think you have displeased the biker gods, is this number 3 or 4? if you have a spare goat around I would seriously consider .......

[Hawkeye]

what I wanted to know was if somebody had experience with insurance after an accident which wasn't your fault, but there were no witnesses.
The one who ran me of the road didn't stop either.. I reported it to police.

Will insurance pay or probably not?

One thing to say.... Fully Comprehensive.

I wrote the Katana off after hitting gravel and putting it into a concrete culvert. I got up and walked away. Bike wasn't so lucky. No witnesses!
Insurance paid out the whole amount (less excess) within 5 day's.

The difference between Third Party and Fully Comp may seem quite a saving but in the long term, when you do have a drop, that's when your pocket really gets hit.

[The Stranger:Me]

what I wanted to know was if somebody had experience with insurance after an accident which wasn't your fault, but there were no witnesses.
The one who ran me of the road didn't stop either.. I reported it to police.

Will insurance pay or probably not?

If you have full cover there is no reason why insurance shouldn't pay - given the circumstances you outline.
That said, they look for any reason they can find to not pay, no matter how tenuous, that's how they make their money and why they employ "loss adjusters".

[gatch]

Bad luck fella. At least you didn't get hit by any cars, or have any serious injuries..

Good luck with the insurance.

[Neshi]

yea.. got fully comprehensive.. I will call the insurance monday. let's see what they tell me

[Milts]

yea.. got fully comprehensive.. I will call the insurance monday. let's see what they tell me

Sucks about the crash Matt, although I'm glad to hear you walked away. Was looking forward to doing some weekend rides in winter with you and the others and I'm just glad you'll be around rather than in hospital.

If you have comprehensive then the company will pay out. However the excess will be unbelievably high - possibly higher than the cost of repairs. Depending on the damage you may want to look up some parts online and put them on yourself. If you decide to go this route PM me and I'll be happy to give you a hand - that's what I did when I dropped my ZZR (although mine had a lot more plastic on it than yours...)
Because you're on a learner liscence your excess will be higher than usual. Possibly also higher based on your age. Best of luck though.

[R-Soul]

You can have many bikes (cash permiting) but you only get one body, you don't want to permanently damage it.

Yup trust me I learnt this lesson from a stupid innocuous knee popping sound while playing sport. All of a sudden your attitude to life and sports and being actuve just has to change. You should ALWAYS be thankful of walking away. There is a fine line between bump on the head and brain damage...

You may not have money now, but you will, and steel can be replaced.

[Hiflyer]

well, the title says it all. I went to do some grocery shopping, coming down the hill up to a righthand curve. Suddenly there comes a car racing up the hill on my side of the road. He managed to jank on the steeringwheel to avoid me, but he left me no choice. I had to avoid him and by doing so limiting my choices in either crashing in a parked car or kiss the tarmac.
Not a hard choice.. I went to the ground.

Damn car didn't even slow down.. he just went on.
Damn hit and run.. Went to the police asap to report it. And I will let the insurance know as well. Although I don't think they will pay up. They will probably take every chance to avoid paying.

I've got no witnesses, and the driver is nowhere to be found.

It broke my console with the speedometer etc. Brake pedal is bent, more scratches on the exhaust, I can replace my helmet (which I was planning to, as it's a bit too big, but it would have made a nice backup/pillion helmet) mirrors...

I love riding motorcycles, but this kinda takes the fun out of it. I would rather have me take a bigger beating if that could save my bike a little..

Argh that sucks. You must be well pissed off. Double sucky that the driver didn't stop. Will be interesting to hear what happens with insurance. There must be an insurance company out there somewhere that actually DOES what you pay them to? Don't let it get to you, coulda happened on a pushbike, and in a car you would've probably totalled the parked car or had a head-on with that guy. Glad that YOU are okay.

Insurance companies do pay out easy, you just gotta find the right ones, Swann and Vero have been totally hassell free for me. Heard horror's about NAC State and Tower though.

And yes I realise that Swann is underwritten by the same company that has a poor reputation through NAC and Tower, but ulimately it's up to Swann on if they pay out claims, so don't bash the underwriter haha.

Who are you insured through anyway?

[skinman]

I binned 1 week ago and would have been much happier if the bike had more damage & me less. It will be 5 more weeks till I can even think about riding again (broken bone in hand) and any damage to the bike short of a complete write off would take about 2 weeks tops to fix. Bike only had bent foot brake & scuffs on pipes etc.

[varminter]

Insurance companies are there to take your money, not to give it back again...sadly. If you can't hold up the cause of the accident by the coat collar then it's down as your fault, they can't pass the claim on to a third party. Good luck, and heal quickly.