Cyclist causes damage - Page 8

Warwick1984 · 20th October 2012, 08:06

Quote:

Originally Posted by ryan d

I could counter claim but wouldn't that mean me losing some of my ncb as she has no insurance?

V-tec'd all the way from my iphone.

I don't think you will lose your NBC if she is to Blair as your insurance would just take her to court for a settlement in theory or you could take it via small claims court but I expect that would meet an outlay for you

mpn_daedalus · 21st October 2012, 06:32

Quote:

Originally Posted by Warwick1984

I don't think you will lose your NBC if she is to Blair as your insurance would just take her to court for a settlement in theory or you could take it via small claims court but I expect that would meet an outlay for you

Even if you don't lose your NCB, your premiums will still go up if your insurance get the slightest hint that you've been involved in an accident whether it was your fault or not.

They like to screw you over like that after taking all of your hard earned cash off you.

Sent from my Sony Xperia S using Tapatalk 2

robbo51 · 21st October 2012, 08:11

Yes you will lose some NCB.
My wife lost hers when her car was stolen...Nobody to claim off..Crime unsolved
Good luck claiming off the hideous woman

npg1 · 21st October 2012, 08:44

Agree with robbo51...

had a pedestrian fall into the back of my car on icy carpark and she got "no win no fee" £10k payout having knowingly lied and watched me briefly arrested claiming she went over the bonnet... only the fact it was a white car and filthy and an unusually bright policeman could clearly see the damp dirt had been disturbed at the back and not the bonnet secured my minutes later de arrest...

also worth mentioning if an object falls from a lorry and causes damage, direct line informed me they needed a conviction before the claim wouldnt be held against ME which i assume to be industry wide policy.. out of pocket, that took 11 months to secure and resulted in a 150 fine and 3 points for the lorry driver having nearly killed me and was a very rare successful conviction..

Bikes, pedestrians, horses and badly loaded lorries - avoid like the plague as its ni impossible to prove fault against them and its only you who have insurance ...

RickHondaR · 21st October 2012, 08:53

kind of been here and got the T shirt, just issue a summons against the cyclist and fight it in court as long as she looses your NCB wont be affected as this has nothing to do with your car insurance. here is my experience and its a long thread which outlines how slow this was but the result was great

Someone bashed by Auris in Swindon

Grayfox · 27th October 2012, 00:00

Update?

Alsone · 27th October 2012, 00:21

Doesn't her house insurance cover her?

I'm pretty sure house insurance gives you thrid party liability cover when out and about (other than in the car).

In any case, If you can prove it's her fault, a lack of insurance on her behalf doesn't negate her liability to you. The only problem might be recovering the damages if she doesn't have the means to pay.

mpn_daedalus · 28th October 2012, 17:34

Quote:

Originally Posted by Alsone

Doesn't her house insurance cover her?

I'm pretty sure house insurance gives you thrid party liability cover when out and about (other than in the car).

In any case, If you can prove it's her fault, a lack of insurance on her behalf doesn't negate her liability to you. The only problem might be recovering the damages if she doesn't have the means to pay.

It would do if she decided to claim. She didn't though.

Sent from my Sony Xperia S using Tapatalk 2

ryan d · 29th October 2012, 21:06

No updates yet chaps

V-tec'd all the way from my iphone.

Alsone · 31st October 2012, 00:13

Quote:

Originally Posted by mpn_daedalus

It would do if she decided to claim. She didn't though.

Sent from my Sony Xperia S using Tapatalk 2

Yeah what I meant is if the OP decided to claim against her, her house policy might cover her for the damage she caused on her bike.

Even if it didn't though, she's still liable personally if fault can be shown.

Perhaps its time we had compulsory bike insurance in this country!

Grayfox · 6th November 2012, 12:35

Any news?

katsock · 6th November 2012, 12:40

Quote:

Originally Posted by Alsone

Perhaps its time we had compulsory bike insurance in this country!

I've thought that for a while...

Grayfox · 6th November 2012, 13:32

Quote:

Originally Posted by katsock

I've thought that for a while...

They say they have the right to be on the road as much as us, yet they do not want to pay for insurance, license or rego fees.

Insurance is their to cover the ass
License is their to say they know the road laws
Rego fees cover the license plates

Both the licenses and rego fees will be cheap.
And it makes it a better for everyone as bike riders who go through red lights get fined and it leaves the good riders.

Noxia · 7th November 2012, 10:40

Here is an opposite situation to this one, driver at fault and then the most passive aggressive confrontation I've ever witnessed.
http://www.liveleak.com/view?i=65c_1352206981&p=1

ryan d · 7th November 2012, 19:03

Still waiting to hear from the insurance company to get back to me chaps. I think they are at the arguing out stage.

V-tec'd all the way from my iphone.

ScottM · 7th November 2012, 20:05

Quote:

Originally Posted by Noxia

Here is an opposite situation to this one, driver at fault and then the most passive aggressive confrontation I've ever witnessed.
http://www.liveleak.com/view?i=65c_1352206981&p=1

What a **** the guy in that Audi is!!!

Warwick1984 · 7th November 2012, 21:17

I have a feeling that if there wasn't a head cam it would have been a different story

bishop1979 · 8th November 2012, 10:15

I quite agree that a helmet and not using things like mobiles, mp3 players etc should be law.
However license, Rego fees and insurance is a more difficult matter.

If you are riding on the road then a license and insurance should be compulsory as this will remove alot of the bad cyclists and at least bring the level of competance of riding on the roads up. A license plate is a good idea but must be small enough not to cause issues and i think making it big enough for all to see would be a problem.

However alot of cyclists do not ride on the road (forests, towpaths etc) in this case i think just a nominal fee license should cover it.

We are living in a country with a population that is getting fatter and more unfit. Cycling is one of the sports that can be done on a very low cost (once bike is bought) do we really want to make it difficult for young families with kids to ride for example, there are alot of complex issues in setting up a system but it needs looking at.

If Bradley Wiggins can get knocked off his bike (and tbh he should know what he is doing) is anyone really safe without the issue being brought more to cyclists and motorists attention

Quote:

Originally Posted by Grayfox

They say they have the right to be on the road as much as us, yet they do not want to pay for insurance, license or rego fees.

Insurance is their to cover the ass
License is their to say they know the road laws
Rego fees cover the license plates

Both the licenses and rego fees will be cheap.
And it makes it a better for everyone as bike riders who go through red lights get fined and it leaves the good riders.

NH Dan · 8th November 2012, 10:23

Quote:

Originally Posted by bishop1979

If Bradley Wiggins can get knocked off his bike (and tbh he should know what he is doing) is anyone really safe without the issue being brought more to cyclists and motorists attention

He does, it was the woman in the van that the Chaos thoery applies to........

Mo_Farid · 8th November 2012, 13:04

This is such an interesting read.. whoever stated its better than eastenders is absolutely correct ahahahahaha.. Good luck with the outcome mate, hope all goes well

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21st October 2012, 08:11	#143 (permalink)
robbo51 Civinfo Trader Join Date: 1st July 2007 Location: Bingley, West Yorks Posts: 15,448 Thanks given: 1,112 Thanked 1,479 Times in 1,363 Posts iTrader: (8)	Yes you will lose some NCB. My wife lost hers when her car was stolen...Nobody to claim off..Crime unsolved Good luck claiming off the hideous woman

21st October 2012, 08:44	#144 (permalink)
npg1 Join Date: 17th September 2012 Location: uk Posts: 202 Thanks given: 34 Thanked 15 Times in 14 Posts iTrader: (0)	Agree with robbo51... had a pedestrian fall into the back of my car on icy carpark and she got "no win no fee" £10k payout having knowingly lied and watched me briefly arrested claiming she went over the bonnet... only the fact it was a white car and filthy and an unusually bright policeman could clearly see the damp dirt had been disturbed at the back and not the bonnet secured my minutes later de arrest... also worth mentioning if an object falls from a lorry and causes damage, direct line informed me they needed a conviction before the claim wouldnt be held against ME which i assume to be industry wide policy.. out of pocket, that took 11 months to secure and resulted in a 150 fine and 3 points for the lorry driver having nearly killed me and was a very rare successful conviction.. Bikes, pedestrians, horses and badly loaded lorries - avoid like the plague as its ni impossible to prove fault against them and its only you who have insurance ...

21st October 2012, 08:53	#145 (permalink)
RickHondaR Supporter Car: CTR-19625 GT Join Date: 16th August 2008 Location: UK Posts: 4,601 Thanks given: 665 Thanked 461 Times in 390 Posts iTrader: (95)	kind of been here and got the T shirt, just issue a summons against the cyclist and fight it in court as long as she looses your NCB wont be affected as this has nothing to do with your car insurance. here is my experience and its a long thread which outlines how slow this was but the result was great Someone bashed by Auris in Swindon

27th October 2012, 00:00	#146 (permalink)
Grayfox Most Active Australian Car: 2010 Black Civic Si FK2 Join Date: 1st February 2012 Location: NSW, Australia Posts: 3,181 Thanks given: 69 Thanked 296 Times in 281 Posts iTrader: (0)	Update?

27th October 2012, 00:21	#147 (permalink)
Alsone Supporter Car: 2008 1.8 GT Type S Join Date: 14th May 2010 Location: Yorkshire Posts: 1,550 Thanks given: 50 Thanked 92 Times in 88 Posts iTrader: (2)	Doesn't her house insurance cover her? I'm pretty sure house insurance gives you thrid party liability cover when out and about (other than in the car). In any case, If you can prove it's her fault, a lack of insurance on her behalf doesn't negate her liability to you. The only problem might be recovering the damages if she doesn't have the means to pay.

29th October 2012, 21:06	#149 (permalink)
ryan d V-tec BOOM Thread starter Car: CTR GT milano red,rage alloy Join Date: 4th February 2011 Location: bracknell,uk Posts: 994 Thanks given: 205 Thanked 120 Times in 105 Posts iTrader: (1)	No updates yet chaps V-tec'd all the way from my iphone.

6th November 2012, 12:35	#151 (permalink)
Grayfox Most Active Australian Car: 2010 Black Civic Si FK2 Join Date: 1st February 2012 Location: NSW, Australia Posts: 3,181 Thanks given: 69 Thanked 296 Times in 281 Posts iTrader: (0)	Any news?

7th November 2012, 10:40	#154 (permalink)
Noxia (\)o_O(/) Car: 2008 CTR, Silver Join Date: 16th October 2011 Location: Melksham Posts: 3,590 Thanks given: 588 Thanked 505 Times in 434 Posts iTrader: (10)	Here is an opposite situation to this one, driver at fault and then the most passive aggressive confrontation I've ever witnessed. http://www.liveleak.com/view?i=65c_1352206981&p=1

7th November 2012, 19:03	#155 (permalink)
ryan d V-tec BOOM Thread starter Car: CTR GT milano red,rage alloy Join Date: 4th February 2011 Location: bracknell,uk Posts: 994 Thanks given: 205 Thanked 120 Times in 105 Posts iTrader: (1)	Still waiting to hear from the insurance company to get back to me chaps. I think they are at the arguing out stage. V-tec'd all the way from my iphone.

7th November 2012, 21:17	#157 (permalink)
Warwick1984 Car: 2007 Type-R GT Milano Red Join Date: 22nd March 2011 Location: Birmingham Posts: 839 Thanks given: 41 Thanked 83 Times in 80 Posts iTrader: (3)	I have a feeling that if there wasn't a head cam it would have been a different story

8th November 2012, 13:04	#160 (permalink)
Mo_Farid Supporter Car: 2011 CTS GT 1.8, Silver Join Date: 6th August 2012 Location: Falkirk, UK Posts: 159 Thanks given: 16 Thanked 12 Times in 11 Posts iTrader: (0)	This is such an interesting read.. whoever stated its better than eastenders is absolutely correct ahahahahaha.. Good luck with the outcome mate, hope all goes well