HOW MUCH!!!!!!!!!!!

[harrisn]

After my coming together with a skoda last week went of to battersea BMW on Tuesday for a estimate on the GS, its all cosmetic stuff really apart from a bent handlebar. Got the estimate through yesterday £2300 almost fell of my chair! Seems they dont repair any painted panels, got a small scratch on my tank no bigger than 3 inches and they wont repair, new tank! same with the beak, couple of small scratches, New one then! and it goes on from there!

I am not moaning as it wasnt my fault and it wont be coming out of my pocket so who cares, the only thing is that i think they will class it as an un-economical repair now, its a 99 1100 with 52k on it so value is only gonna be about £3000-£3500 tops

Hopefully they will let me have the bike back and some money to repair it myself as i would guess there is no more than £500 worth of damage really

 

[(RIP) Proff]

Make sure you tell the insurance co' that you want first chance of buying bike back.
They want to make you an offer plus the bike normally, UNLESS it's a write off through Frame damage
Also if Poss get the bike back home, It's not unknown for dealers to inflate storage charges if they want the bike to repair themselves.
£25 a DAY was one Jokers attempt in Exeter.
I had a small tap in my 205 TD [not my fault] insurance repair estimate was £1000 , car deemed beyond economical repair, I settled for £700 plus car , repair cost £200 Bonnet bumper and 1 front wing and headlight.

By the way, It will be coming out of your pocket same as mine and all other insured people, cos the rates go up

 

[Marty Gutenfart]

!
it wont be coming out of my pocket so who cares,

Alas it will come out of all our pockets. Insurance payouts don't come out of nowhere

 

[Tarka]

If it`s any help to you,when I crashed my 1997 1100 in February 2005 it was written off because the forks and front wheel were trashed,along with the right hand rocker cover and a few other scuffs and scrapes.

It was valued at £4100 and I bought the salvage back for £1228 and got a cheque for the balance.

I fixed the bike up for just over £500

Be warned....I had a hell of a fight actually prising the bike back off the Insurers because of the 'Contract Salvage' arrangement they had with a certain Salvage Agent.....
It took a few months of frustrating letters and many phone calls where they had failed to get back in touch with me.....no doubt deliberately in the hope that I`d give up and the Agent would get the bike to fix up or sell on at profit.

If at all possible make sure you keep the bike at your address and force the Insurance Company to send their assessor to you,rather than the bike going away for examination.

 

[Steptoe]

If you want the bike back to repair yourself, you must get it back onto your property.

The longer it stays at a dealers ( not just BMW dealers,but any dealers), the less chance you'll have of getting it back. Due to storage charges etc etc.

it used to be common for the insurance to let the dealer keep the bike as payment for storage.

It's still your bike. Your entitled to take it away, or do what you want with it.

I used to buy a lot of salvage from a guy, at fantastically cheap prices. He's dad was the assesor and insurance agent.
The son now runs an insurance companys salvage auctions. Backhanders left right and centre for any salvage, so it doesn't actually go through the auction. It gives you a headache sometimes.

 

[(RIP) Proff]

If it`s any help to you,when I crashed my 1997 1100 in February 2005 it was written off because the forks and front wheel were trashed,along with the right hand rocker cover and a few other scuffs and scrapes.

It was valued at £4100 and I bought the salvage back for £1228 and got a cheque for the balance.

I fixed the bike up for just over £500

Be warned....I had a hell of a fight actually prising the bike back off the Insurers because of the 'Contract Salvage' arrangement they had with a certain Salvage Agent.....
It took a few months of frustrating letters and many phone calls where they had failed to get back in touch with me.....no doubt deliberately in the hope that I`d give up and the Agent would get the bike to fix up or sell on at profit.

If at all possible make sure you keep the bike at your address and force the Insurance Company to send their assessor to you,rather than the bike going away for examination.

FEK ME !!! People are gonna start Talking
Thats Twice in one WEEK that me and Tarka have Concurred on something !!!!

And Steptoe !!!!!!

 

[harrisn]

Thanks all, The bike is with me and still being used every day so they are not taking it anywhere as i need it to get to work! after the accident a mate rode it home for me, i know what some of these places can be like!

Last time i had a decent crash i had the bike sent to a mates garage so that at least someone i know would earn something of the storage charges!!

We will wait and see what happens after the guy admits liability, i am sure they will want one of their own assesors to take a look at it as well.

 

[Wapping]

Wait to see what the third party’s insurer offers you, before making any decisions. I assume that the third party has admitted liability and that their insurer has confirmed cover?

If the third party’s insurer are prepared to take it on the chin, pay for all the repairs (no matter how cosmetic or trivial they may seem to you) then you may as well have the job done to your complete satisfaction.

If they prove awkward or niggardly, work out carefully:

(1) What it will cost you to do all (or part of) the work yourself. I mention ‘part of’ as, of course, you may accept the scratches as adding character, which the insurer would otherwise pay for.

(2) Whether you can do all the work yourself. Sometimes things are not as they seem. The repair garage’s claim estimate invoice will give you a very good clue.

Get your requests into the third party’s insurer in writing and keep a copy. This is important as you may find yourself talking to a call centre, not to the company’s official claims department.

Most insurers will cut a deal if they can save themselves some money. But do not forget they effectively have an obligation to put you back in the same position as you were in before the accident. Make sure you do not sell yourself short just because you might be emotionally attached to your old bike, it’s only plastic and metal after all.

 

[harrisn]

His insurer has confirmed cover but liability as yet, my broker (carol Nash) and solicitor have both said that its obvious it was his fault but from experience these things are never that easy, not overly attached to the bike and was actually contemplating moving to a 1150 adventure next year at some point so if they offer a good enough deal i wont be passing it up, all that said it was a lovely looking bike in great condition for the mileage so if they do repair it i wont be happy until its back to as it was, if i repair it myself the only things i would change are the bars and screen (slightly bent and cracked respectively) all of the other bits are just cosmetic. The accident only happened last monday so i dont expect any form of response from his insurers till way after xmas at the earliest!

 

[(RIP) Proff]

His insurer has confirmed cover but liability as yet, my broker (carol Nash) and solicitor have both said that its obvious it was his fault but from experience these things are never that easy, not overly attached to the bike and was actually contemplating moving to a 1150 adventure next year at some point so if they offer a good enough deal i wont be passing it up, all that said it was a lovely looking bike in great condition for the mileage so if they do repair it i wont be happy until its back to as it was, if i repair it myself the only things i would change are the bars and screen (slightly bent and cracked respectively) all of the other bits are just cosmetic. The accident only happened last monday so i dont expect any form of response from his insurers till way after xmas at the earliest!

Good Grief !!!
FFS!! get on to his insurers, make noises about a hire vehicle over Christmas as the bike is unsafe [ white lies } you would be surprised just how fast they can agree and settle if you start stating YOUR rights

Carole Nash should do this for you, I've always found them first class {25 years a customer}

 

[northengit]

His insurer has confirmed cover but liability as yet, my broker (carol Nash) and solicitor have both said that its obvious it was his fault but from experience these things are never that easy, not overly attached to the bike and was actually contemplating moving to a 1150 adventure next year at some point so if they offer a good enough deal i wont be passing it up, all that said it was a lovely looking bike in great condition for the mileage so if they do repair it i wont be happy until its back to as it was, if i repair it myself the only things i would change are the bars and screen (slightly bent and cracked respectively) all of the other bits are just cosmetic. The accident only happened last monday so i dont expect any form of response from his insurers till way after xmas at the earliest!

Use caution, don't just assume because your broker and your solicitor said it was Obvious that he was at fault, that he (his insurance) will accept the liability....... they where the famous words ringing in my ears from my rather cosmetic off in 2005.... by the time the estimates and so and so had been passed around surprise surprise they put in a counter claim as a result claim is still bouncing back and forth over a year later.Don't want to piss on your parade but be careful.
Remember this as well like on all policie's it's printed somewhere normally on the " What to do if your involved in an accident " NEVER ADMIT LIABILITY...
cause that make's the rod and stick game harder for them.

 

[(RIP) Kaister]

if its written off, doesn't it automatically become the property of the insurance company - because you have accepted market value for it ?

they don't HAVE to offer you the salvage -- its their choice.

PS over here - everything except unrepairable is repaired - and the insurance STILL costs more

 

[marcus]

...similarly....

My old CB500 and I parted company care of dippy bird in a car....
economic write off
insurance company cocked up so had to give me more money and sort of "forgot" that they had agreed to sell me back the bike for 500 (i think)

Universal Salvage showed their skills by "losing the keys" (yeah, right...) so they had to fork out for new barrels & keys.

repaired for about 400

Sold to a courier for 1,200

 

[NeverRodeBefore]

Not that long after I started driving (the 2 tonne lump of LandRover, with what amounts to steel girders front and back) I managed to have a little coming together with a Volvo (Even Volvo's come off worse against my lil' truck ) in Asda's car park.

I was just lining myslef up neater in the box, having reverse out about a foot or so, gently applied the footbrake as a slipped out of reverse when bang, looked in the mirrors as a Volvo came across the back of me. The collosion put a gouge into the rear wing and popped out a light cluster. Under no circumstances was I going to admit liability, I couldn't swear that she wasn't behind me when I started to reverse, but she said that she'd speeded up when she saw I was reversing. I still think she was distracted by the kids in the back and simply didn't notice me move and then clipped me on the way past.

We swapped details, and eventually my insurance agant sent me a letter that was claiming £1000 repair, £1000 hire car, and £1000 inconvenience. I maintained that at the actual point of impact I was not moving, and that actually was the last I heard about it, and I'd didn't even loose any no-claims, I can only assume that they put up too much of a fight and she backed off .

The only other claim was about a year later when having left my lil' truck on the hill at the end of the street, she promptly slipped the hand brake and demolished a garden wall. I offered to rebuild it, I offered to have my Brother-in-Law rebuild it, I offered to get my Brother-in-Law's stone mason Brother to rebuild the whole wall. But, no, it was an insurance claim, and there was no way he was backing down... I lost my NCD... and the B****** never had the wall rebuilt

I had another bump on the Snake Pass, when a car slowed suddenly infront of me and turned down an access track for one of the dams. The guy didn't have any working lights on the back at all. He admitted it, and luckily no one was hurt, and I'd only kissed the back end as my SWB IIA was fitted with AP Lockheed Heavy Duty brakes from a 110. I doubt if he had insurance anyway, so I thought I'd had a luck escape and left it at that.