Just had a non-fault minor off on the bike - help a noob out with what he needs to do

growse

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growse

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I just had an accident outside the office (literally about 30 mins ago). I was following a van down a london street when the van stopped. I stopped behind and the van then reversed into me. I got pushed back a bit and then fell over.

Damage seems to be a smashed front mudguard, a huge chunk out of the front tyre and some scuffs on the bar end on the side I fell on. Damage value is probably £100-200.

Van driver admitted liability and I've got the reg of the van and company details as well as the driver name.

My question is: what now? There's a honda garage just up the road, but I really don't think it's ridable. So I need to get it to the garage somehow and then faff with insurance. I'm sure I could work this out, but want to make sure I don't do anything wrong or stupid. Anyone got a step by step idiots guide for this?

Thanks all :)
 
I've had this happen before - some old guy just started reversing straight into me. What I did though was punch his boot a couple of times and he eventually stopped before causing any damage.

I wouldn't have thought it's worth claiming off insurance unless the guy is going to cause problems - you'll have to declare the claim every time you get new bike insurance... Get a quote for the work and then call the guy and see what he says.
 
1) get bike to garage. Got a mate with a van or ute ?
2) get quote for repairs incl any damage to you (like helmet.)
3) forward quote to him and/or insurance company. Being a company car probably insurance.
4) Insurance sends assesor to dealership.
5) assessor agrees to reasonable repairs
6) dealership makes repairs and bills insurance co
7) you take it home again.
 
Is the garage a bike specialist or just a car place? The the former, then ring them and see if they can collect, any bike dealers will have a van, pickup or trailer for transporting bikes. If they are a car place then get the yellow pages out and find the closest bike dealers.
 
Wow, so many replies so quickly. I'll try to provide more details. :)

Incident was here. Tabernacle street, just before that big hairpin.

The nearest honda garage is motoden honda on the Kingsland road. (http://www.motoden.com/acatalog/Motoden_Honda.html). They're a dedicated honda bike dealership with a workshop. They're rates quoted (http://www.motoden.com/acatalog/Workshops.html) indicate they do collection for £55, but they're literally just down the road.

Van had stopped because he was about to make a delivery. I assume he'd gone past the delivery address and was just backing up to get back to it.

I have a witness. A guy stopped in a car and handed me his business card stating that he had been parked just behind and seen the whole thing.

I think that's everything. Should I contact the honda place first and get them to collect and estimate before forwarding to the van-man-company? Should I phone the van-man-company first to give them a heads up?
 
It wouldn't suprise me if he changes his story to say you went into the back of him!
I hope there were witnesses about?
As mentioned above, most dedicated motorbike repairers will have some form of transporting the damaged bike to their repair centre.


bah, too slow:D

I'd give him a call and ask how he wants to progress with the repair.
Either insurance or out of his own pocket.
Then just take it from there, it would be easier if he wants to pay himself, as at least you wouldn't have to declare it every time.
 
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I think it's most likely he'll get his company's insurance to pay out, that'd be easier for him.

If his insurance does pay, I still have to declare when renewing?? Why???
 
I have to declare a claim, even if it's not me making the claim? Surely it's the van-man-company who are liable for the damage, so they claim off their insurance?

I really don't think he's going to pay out of pocket. Ah well.
 
Yep, unfortunately thats the way it works.
It sucks, but I have had to do it after my car was hit and the other persons insurance paid out. They say it doesn't affect the premium, yeah right!
 
the insurance co. cant distinguish between the careless muppets who cause accidents but technically arent at fault. Eg stopping suddenly at unusual points causing people to go into the back of them. So they put the premium up for anybody involved in an accident

wont be as much as if you lost your NCB, but it will usually go up.

Give him the option of paying himself, he way wish to avoid getting into trouble at work. If he asks you to go through his insurance then you'll just have to do it.
 
Ring hisinsurance company and tell them to sort it.

Didn't you damage your clutch casings or fairings at all? what about indicators? Sounds like an odd/incomplete list of damage. Be sure to have it properly assessed by the garage so that everything that everything gets what it needss to be right again. And as above get your helmet replaced, you may not remember banging it, but better to be sure. Have a close look at your clothing too. Depending on what you're wearing you might have damaged it. GoreTex doesn't stand up to a huge amount of abuse for instance.
 
fullspizz said:
Because you have to declare "ALL CLAIMS" including non-fault ones.
Bummer I know, but thats how it works.
Click to expand...

I had a realtively big off on my bike, it was non fault, and it hasn't affected my insurance. So it needn't be a negative aspect. I'd rather that than invalidate my insurance by not submitting the information! :)
 
monkey_boy said:
Ring hisinsurance company and tell them to sort it.

Didn't you damage your clutch casings or fairings at all? what about indicators? Sounds like an odd/incomplete list of damage. Be sure to have it properly assessed by the garage so that everything that everything gets what it needss to be right again. And as above get your helmet replaced, you may not remember banging it, but better to be sure. Have a close look at your clothing too. Depending on what you're wearing you might have damaged it. GoreTex doesn't stand up to a huge amount of abuse for instance.
Click to expand...

I just spoke to my insurers who are picking it up and running with it. They seemed helpful, so meh.

I was literally stationary and just fell over very slowly. I'm 100% positive I didn't hit my head, and jacket / trousers are fine. TBH, I'm not going to load up a claim with stuff when it's not necessary.

You're right on the mechanical stuff - I'm getting that properly assessed tomorrow. Could have bent forks or anything.
 
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