Bike in the shop after an accident - do they have to give me a loan bike?

[James47889]

Hi everyone, I had a crash where a driver pulled out in front of me and I hit him, the bike went down and it did some damage. He has accepted liability and it's all going through his insurance. The bike will be in the shop for about a week, possibly longer because they've got to get all the assessment as well as the repairs done. Does the insurance company have to provide me with a loan bike whilst mine is being repaired? Or do I have to pay for my own transport?

Thanks

[BuzzardNZ]

Hi everyone, I had a crash where a driver pulled out in front of me and I hit him, the bike went down and it did some damage. He has accepted liability and it's all going through his insurance. The bike will be in the shop for about a week, possibly longer because they've got to get all the assessment as well as the repairs done. Does the insurance company have to provide me with a loan bike whilst mine is being repaired? Or do I have to pay for my own transport?

Thanks

I never got one when I:

a) had my bike written off after car hit me ( car drivers fault ).
b) bike was stolen.

Both times I was fully insured.

[bluninja]

If the other guy is liable then any direct loss suffered SHOULD be covered by the insurers. However someone admitting liability at the scene does not guarantee that the insurer will agree and they may try to wriggle out of paying up.

I'd have a chat the other drivers insurers and get them to put something in writing that they will cover the reasonable cost of hiring a vehicle for the time your is off the road.

[James47889]

I never got one when I:

a) had my bike written off after car hit me ( car drivers fault ).
b) bike was stolen.

Both times I was fully insured.

Thanks that's good to know. Will have a chat with the insurer

[James47889]

If the other guy is liable then any direct loss suffered SHOULD be covered by the insurers. However someone admitting liability at the scene does not guarantee that the insurer will agree and they may try to wriggle out of paying up.

I'd have a chat the other drivers insurers and get them to put something in writing that they will cover the reasonable cost of hiring a vehicle for the time your is off the road.

Sorry better clear up that his admission of liability is in writing with his insurance company so my excess has been waived and it's all being covered by his insurer. I'll see what I can do. Cheers

[nzspokes]

When mine was in for crash repair they lent me a 650 that was awefull. But better than driving.

[SMOKEU]

When mine was in for crash repair they lent me a 650 that was awefull. But better than driving.

Was it a Hyosung?

[DMNTD:Me]

Sorry better clear up that his admission of liability is in writing with his insurance company so my excess has been waived and it's all being covered by his insurer. I'll see what I can do. Cheers

100% irrelevant who's fault it was and it also has zero to do with the bike shop.
Chat to your insurer and see if they will cover a rental whilst you bike is being repaired however I think you'll find that unless you have specific cover for it then you'll be shit out of luck

[Oakie]

It's like employment issues. What does the (contract) policy say. If it's not stipulated in there ye be out of luck.

[James Deuce]

Not unless you bought a policy that says that explicitly. You can pay for that service. Try not to crash. It makes life less inconvenient.

How about taking responsibility for own transport issues? Unless someone nice offers to help you, in which case accept the offer. The world isn't there to sort your shit out.

[Big Dave]

As per Jim's comment. Read the policy. It says what to - or not to expect.

[James47889]

Not unless you bought a policy that says that explicitly. You can pay for that service. Try not to crash. It makes life less inconvenient.

How about taking responsibility for own transport issues? Unless someone nice offers to help you, in which case accept the offer. The world isn't there to sort your shit out.

It wasn't my fault I crashed, as I stated. I shouldn't have to cover them, I pay a lot less taking the bike rather a bus throughout Auckland city; that should be covered by the guy that pulled in front of me.

[Katman]

It wasn't my fault I crashed, as I stated. I shouldn't have to cover them, I pay a lot less taking the bike rather a bus throughout Auckland city; that should be covered by the guy that pulled in front of me.

Were you riding with your eyes shut?

[Flip]

Unless you have it specifically specified in your insurace you don't have a snow flakes chance in hell.

The think the term is liquidated damages, you will find they are usually excluded.

[James Deuce]

It wasn't my fault I crashed, as I stated. I shouldn't have to cover them, I pay a lot less taking the bike rather a bus throughout Auckland city; that should be covered by the guy that pulled in front of me.

Life isn't fair. Fault doesn't matter. The voice of non-judgmental experience shall relay the only useful piece of advice it has to offer after nearly 30 years of being massively inconvenienced from time to time. Don't. Crash.

Actually there's another piece. Insurance companies will never do anything that is to the advantage of any insured party. Their job is to protect their shareholder's investment.