Insurance Claiming

[Jantar]

Im not insured, only had the bike 3 weeks and just hadnt got round to sorting it out....

In that case you have the upper hand, as you don't have to deal with any insurance company. The person who damaged your bike is your mate's dad, and he is the one who is responsible to see it is fixed properly. Simply tell the bike shop to fix it. You then send the bill to your mate's dad.

In cases like this it is up to driver at fault to sort it out with his insurance company. You can claim for all sorts of things including damage to gear, additional transportation costs etc. Who pays at the end is not your problem, that's between the driver at fault and his insurance company. You may need to pay initially, but you can recover all costs.

[lukelin250]

GOOD JOB YOU DIDNT TBONE A NEW BMW OR MERC OR ANY NEW CAR IF IT WAS YOUR FAULT THE INSURANCE COMPANYS WOULD BE AFTER THE MONEY FOR EVER.....THEY NEVER GIVE UP

thats why im not a fan of insurance companys. when i was 18 i pulled out of a driveway and didnt see the brand new BMW M3 that crossed my path wiped out the side of it. now my insurance had run out by 8 days,this should be covered by a grace period but my insurance company scammed there way out of it leaving me with 25000 dollers worth of repairs to the M3. ill be paying that off for a longggg time. Insurance is important,but i still dont feel all that safe having it. end of rant

[JimO]

insurance wont make you feel safe but it will make you feel rich if you have a nock thats your fault, prime example a young guy liberachied my last work hilux , bent the back bumper, no paint or glass involved, cost him $1500 to fix it my insurance fixed it and chased him for the money

[jetboy]

Usually your insurer and that of your mate's dad would liase amongst themselves - it is up to them to sort it out. As long as you fulfill your requirements as per your policy wording (there is usually a section stating what you must do in the event of a claim) then it should be up to the insurers to sort it out.

Bear in mind that the insurers need certain information to satisfy their claims policy and this can often be held up with an assessor, repairer, parts etc. You should feel free to contact the insurer and enquire about the status of the claim, what's happening and what's left to do.

If you were with a broker (like me) then it is the broker's responsibility to ensure the claim runs as efficiently as possible.

As for insurance making you feel safe: I'd personally rather not ride/drive uninsured, not necessarily for my vehicle (my cage is a useless POS) but in the event that I do hit that $350,000 Merc, or miss that turn and plough into someones house. And who's to say that the guy who may knock you off your bike has insurance? If he doesn't you'd be left with a bill for damage you didn't even cause.

[Oscar]

thats why im not a fan of insurance companys. when i was 18 i pulled out of a driveway and didnt see the brand new BMW M3 that crossed my path wiped out the side of it. now my insurance had run out by 8 days,this should be covered by a grace period but my insurance company scammed there way out of it leaving me with 25000 dollers worth of repairs to the M3. ill be paying that off for a longggg time. Insurance is important,but i still dont feel all that safe having it. end of rant

Why should your insurer give you a "grace" period?
Do you play a "grace" premium?

One minute yer bagging them for not living up to their side of the contract and next you're saying that you shouldn't have to live up to your side (i.e. pay the premium). Being as how premiums are based on claims paid, why do think my premiums should subsidise your stupidity?

[McJim]

Under Vehicle Insurance I cut and paste this from Towers site

'Up to $3,000 cover for accidental damage caused to your vehicle by an uninsured driver who can be identified and is proven to be totally at fault'

That was only if I could have afforded fully comprehensive cover - the best I could manage was "Thrifty" 3rd Party, fire and theft - which, when I asked, did not cover me for being knocked off by uninsured parties.

[Morcs]

Got the bike back today, finally got the right clutch lever on, and didnt charge me for fitting (couldve done it myself but couldnt be arsed)

Perfect weather for riding today, lane splitting on the north western in this wind..

Ive just got to resist temptation of fixing her up myself, although riding a bike with scrapes on is very painful indeed, nothing short of mint will do..

Oh and i must avoid binning it... Ive gone 3 years without a bin.. now wouldnt be a good time.

Ill be at the Big boys toys show tomorrow, stand 643, if anyone is there, pop and over and give me a holla

[Jonny Rotten]

That was only if I could have afforded fully comprehensive cover - the best I could manage was "Thrifty" 3rd Party, fire and theft - which, when I asked, did not cover me for being knocked off by uninsured parties.

Most Car policies cover upto $3,000 if TP is not insured but not sure whether same benefit applies to Bike insurance..worth checking as I know guys in claims who do not tell Insured's of this benefit.

i was insured with tower when someone ran into the back of me......i only had third party and the guy who ran into me was uninsured..... my insurance company told me that because he was up to 75% in the wrong i would be paid out up to $3000 dollars and they would chase him for the money.

aweek later i had my money from tower and one year after that i had to make an apperance in court with my insurance company to tell the judge in my own words what happened in the crash.....(because the guy was debating he was in the wrong)

in the end the judge threw the case out (lack of witnesses) but i still got paid out

[crazybigal]

blasphemy!!!!

hey! ive ridden a gn for a couple of days before while my bike was in the shop getting work done - they're actually not all that bad!

[Grahameeboy]

That was only if I could have afforded fully comprehensive cover - the best I could manage was "Thrifty" 3rd Party, fire and theft - which, when I asked, did not cover me for being knocked off by uninsured parties.

R u sure only that was cut and pastes from the TPFT cover? You may want to double check because if you had Full cover there would be no $3,OOO limit.

[Grahameeboy]

i was insured with tower when someone ran into the back of me......i only had third party and the guy who ran into me was uninsured..... my insurance company told me that because he was up to 75% in the wrong i would be paid out up to $3000 dollars and they would chase him for the money.

aweek later i had my money from tower and one year after that i had to make an apperance in court with my insurance company to tell the judge in my own words what happened in the crash.....(because the guy was debating he was in the wrong)

in the end the judge threw the case out (lack of witnesses) but i still got paid out

I tried to tell him so thanks for the extra support...........

[Motig]

I dont understand how you can take the bike when it has still to be seen by an assessor. Surely the company can refuse to payout citing that as they do not know what was damaged before it was removed from the shop how to they know that you haven't damaged it again and are making a false claim? And if his insurance company refuses to fix it on those grounds why should the father, friends or not, pay. After all hes done everything right by you so its not his fault if you muck it up with impatience. I'm not saying this will happen but it could be a possibility perhaps. Anyone here know if thats possible?

[Morcs]

I have photographs, also colemans have quoted. Any damage that both myself and colemans have missed on our assessments will just have to lump it!

[jetboy]

I dont understand how you can take the bike when it has still to be seen by an assessor. Surely the company can refuse to payout citing that as they do not know what was damaged before it was removed from the shop how to they know that you haven't damaged it again and are making a false claim? And if his insurance company refuses to fix it on those grounds why should the father, friends or not, pay. After all hes done everything right by you so its not his fault if you muck it up with impatience. I'm not saying this will happen but it could be a possibility perhaps. Anyone here know if thats possible?

I know of a total loss claim which was settled in 5 days, but the client wanted a different colour bike which extended the settlement by another week or two. So yeah, sometimes the client can hold up a claim....