So, had my first crash on Friday.
Was stationary, waiting for a gap in oncoming traffic so I could turn right, a gap appears, so I check my mirror/blind spot, about to move, and an idiot in a BMW shoots past me, a few seconds (and a couple of choice words!) and I check my mirror again, all clear so I start to turn. About half way through the turn, there's a loud bang, and the back of the car starts moving rather more sideways than expected, the next bit is a bit of a blur, but next thing I remember I'm out of the car, on the phone to ambulance, because there's bits of bike strewn across the junction, and a biker on the floor. Basically it looks like he's gone to overtake me despite the fact I'm stationary opposite a junction indicating (possibly thinking "BMW got away with it, I can do the same").
Car is a W reg focus, ~140k on the clock, rear panel is dented badly, little triangle window above the parcel shelf is smashed, passenger door on driver's side is dented and skewed (interfering with driver's door slightly) and it looked like the door sill was buckled as well - I'm guessing it's going to be written off.
Thankfully I wasn't hurt at all, and the biker was released from hospital later that night with just cuts and bruises.
Couple of questions - Correct me if I'm wrong, but I don't think I'm at fault on this one? The police officer who attended said the same, but what are the chances of the insurance company contesting it?
Secondly, assuming it is written off, how much am I looking at getting for it (I paid £1800 for it at the end of Feb)
Lastly, how long should I expect to wait for the payout?
My insurer is Bell if that's relevant to any of the questions
Was stationary, waiting for a gap in oncoming traffic so I could turn right, a gap appears, so I check my mirror/blind spot, about to move, and an idiot in a BMW shoots past me, a few seconds (and a couple of choice words!) and I check my mirror again, all clear so I start to turn. About half way through the turn, there's a loud bang, and the back of the car starts moving rather more sideways than expected, the next bit is a bit of a blur, but next thing I remember I'm out of the car, on the phone to ambulance, because there's bits of bike strewn across the junction, and a biker on the floor. Basically it looks like he's gone to overtake me despite the fact I'm stationary opposite a junction indicating (possibly thinking "BMW got away with it, I can do the same").
Car is a W reg focus, ~140k on the clock, rear panel is dented badly, little triangle window above the parcel shelf is smashed, passenger door on driver's side is dented and skewed (interfering with driver's door slightly) and it looked like the door sill was buckled as well - I'm guessing it's going to be written off.
Thankfully I wasn't hurt at all, and the biker was released from hospital later that night with just cuts and bruises.
Couple of questions - Correct me if I'm wrong, but I don't think I'm at fault on this one? The police officer who attended said the same, but what are the chances of the insurance company contesting it?
Secondly, assuming it is written off, how much am I looking at getting for it (I paid £1800 for it at the end of Feb)
Lastly, how long should I expect to wait for the payout?
My insurer is Bell if that's relevant to any of the questions
