Motorcycle Accident Insurnace Advice

[real]

Morning,

Yesterday on my way home from work I was involved in a RTC. I was filtering past stationary traffic at about 20-30mph when a vehicle decided attempt a U-turn directly in front of me. I had no time to react, hit the front wheel arch area of the vehicle and went straight over the bonnet and down the road.

The police and an ambulance were called as the bike was in a bit of a mess with fluid leaking and I had injured my foot. Luckily another biker a few minutes down the road stopped and helped me get witness details from the two drivers behind the car I hit.

As the bike was in a state I used my AA cover to get my bike taken home and was told someone would contact me the following day to arrange a replacement vehicle. This morning Helphire called to try and arrange a hire vehicle and start a claim. My insurance cover is TPFT and with this being my first accident I'm sure too sure what route to follow. I plan to call my insurance company at some point this morning but have some questions.

Who will be at fault for the accident in the eyes of the insurance companies? If as I think and hope it is seen as a non fault on my part will my insurance company recover the costs for my bike from the other persons insurance? Or is there a benefit of using Helphire to recover the costs?

Thanks

 

[real]

Thanks for the input guys.

What are the opinions when it comes to using Helphire? I'm tempted because of the replacement vehicle. Although if there is a problem later down the line and say it goes 50/50 would I personally be liable for the cost?

Should I just ask my insurance company to pursue the costs with my legal cover?

 

[real]

I had the same thing happen too, though I came off worse than you! Taxi driver(another one!) admitted fault and all went smoothly.

What insurance cover did you have?

 

[real]

I also recall a law/policy change or something mentioned in a few bike forums a while back re filtering and blame change for the better, but alas I forget the details. As someone above said, if Helphire has helping they must be sure of a winner.

I hope your foot isn't hurt too bad fella!

Thanks mate. The x-rays showed that nothing was broken so I'll survive! I'm just lucky there was no traffic coming in the opposite direction otherwise it may well have been game over.

Ok, if Helphire are interested then I might as well use them because I'll get a replacement vehicle which I would not get through my own insurance. I've had a look on their website and they mention something about a £10 indemnity policy which is not much to loose if the claim goes against me.

 

[real]

Update:

I chose to proceed with the claim through Helphire and a 08 Honda Hornet was delivered to me the following day. Unfortunately I am still on crutches so have been unable to ride, especially considering the nice weather we have been having

The customer service from Helphire was brilliant with regular updates on my claim every few days and I received a cheque from the other party's insurer a week ago. Therefore I would definitely recommend their service. However the speed of the settlement came as quite a surprise, so I can only assume that I was helped by the fact that the driver of the car immediately admitted fault.