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motorcycle insurance??

nacider Avatar
7y, 11m agoPosted 7 years, 11 months ago
i was in a crash yesterday its still quite fuzzy and ive hit my head quite hard, it wasnt my fault. im not sure how this works as the police spoke to me as i was on another planet in the hospital. i phoned the compound that my bike was in and the guy was pretty cheeky about it he said 'i take it was your fault' and i said no, actually it was not. he said i need to phone my insurance place, but im sure the police last night said the guys insurance would sort it?? so im quite confused i dont know what to do, i cant even remember what happened im just lucky to have 2 police as the witness'
nacider Avatar
7y, 11m agoPosted 7 years, 11 months ago
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[helper]#1
Hope you are OK.

You need to inform your insurance so that both insurance companies can sort it out
banned#2
I work in motor claims. What happened? Do you remember any of the circumstances?
#3
you need to contact your insurers with the other persons insurance information, you'll probably have to pay the excess then claim it back which is a pain, but most insurance companies work that way.

Sounds like it could have been nasty, glad you're ok!
#4
If you were hurt and it wasn't your fault, get yourself a good ambulance-chaser. Avoid the sort that advertise on Sky but ask around locally and you'll probably find a decent solicitor who'll work for you on a no win/no fee basis.

A bump on the head causing headaches for weeks/months afterwards can be worth thousands in compensation. :whistling:
#5
DanJackson
I work in motor claims. What happened? Do you remember any of the circumstances?


From what the police said, this old man was meant to give way to me but as I drove past he decided to go right on ahead and smacked into my side. the police saw everything that happened, i remember rolling over the bonned then i blacked out and woke up in the ambulance, then i blacked out again and woke up in the hospital. i dont remember most of it just the bits the police told me
#6
chrishill
you need to contact your insurers with the other persons insurance information, you'll probably have to pay the excess then claim it back which is a pain, but most insurance companies work that way.

Sounds like it could have been nasty, glad you're ok!


the police said they would get his details from him so ill need to call them tomorrow. i cant even remember where ive put my insurance details :thinking:
#7
tony_s1
If you were hurt and it wasn't your fault, get yourself a good ambulance-chaser. Avoid the sort that advertise on Sky but ask around locally and you'll probably find a decent solicitor who'll work for you on a no win/no fee basis.

A bump on the head causing headaches for weeks/months afterwards can be worth thousands in compensation. :whistling:


thanks for the advice, i am taking a week or two off work just now as i can't even think straight let alone work with medicines.

i am just glad to be alive to be honest
[helper]#8
When you do contact your insurance company be very careful - if you contact the broker (like Bennetts) they will try probably try to get you to get a hire bike (brokers presumably get a referral fee), then they will also try to refer you to an injury claims firm (again they get a referral fee) and finally they may also refer you to a repair company for repairs for your bike. Be very careful if you go down this route - these mainly rely on reclaiming the costs from the other party - if they can't recoup the costs from the other party, I'm not sure what happens....

BUT all of this MAY have nothing to do with your insurance company (the name of the company will be on your policy) so you may still have to inform them. If you have comprehensive insurance they will repair the bike and reclaim the costs from the other party (if its their fault).

Danjackson can probably give you more advice.....

Don't forget to claim for a new helmet (even if it looks undamaged - if you suffered a head injury it will have been damaged) and replacement clothing/armour
#9
gari189
When you do contact your insurance company be very careful - if you contact the broker (like Bennetts) they will try probably try to get you to get a hire bike (brokers presumably get a referral fee), then they will also try to refer you to an injury claims firm (again they get a referral fee) and finally they may also refer you to a repair company for repairs for your bike. Be very careful if you go down this route - these mainly rely on reclaiming the costs from the other party - if they can't recoup the costs from the other party, I'm not sure what happens....

BUT all of this MAY have nothing to do with your insurance company (the name of the company will be on your policy) so you may still have to inform them. If you have comprehensive insurance they will repair the bike and reclaim the costs from the other party (if its their fault).

Danjackson can probably give you more advice.....

Don't forget to claim for a new helmet (even if it looks undamaged - if you suffered a head injury it will have been damaged) and replacement clothing/armour


i think my insurance is with axa, but thanks for the heads up i know these insurance places are quite scamming.
i was going to get a new helmet anyway as i know it doesnt look damaged from the outside, but the inside will be knackered
[helper]#10
nacider
i think my insurance is with axa, but thanks for the heads up i know these insurance places are quite scamming.
i was going to get a new helmet anyway as i know it doesnt look damaged from the outside, but the inside will be knackered

Good luck and hope you get your confidence back - I've had three cars hit me, thankfully at low speeds, and I still can't get biking out of my blood.....

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