Took me out

[dragonrider]

Some idiot took me out, the bike (12GSA) is destroyed and i am fairly busted up
I am on fully comp insurance with E-Bike

Not having made a claim before, what i would like to know is the steps to take, ie do i get my own solicitorfor personal injuries
Basically i am lost and need direction and or ideas, help if you can
I am getting a friend to post this because i am in hospital but would like a grip on things for my discharge
cheers

 

[dadster]

feck,sorry to here this mate, can you send best wishes on to the big fella, all the best dave. (sorry cant help re. insurance)

 

[Tramperman]

Sorry to hear about your accident, get well soon. Its biking season... you need to be out there.
Just contact your insurer and let them get on with it, thats what you pay them for.
They will ask you all the questions. It may be your first accident, but to them
its just another "day in the office"
Relax, get well, let them have all the worry.

 

[GS TRV]

what happened Dude - tell all

Just follow Tramperman's advice and be glad to be in one piece

(Hurst's 'll be happy)

 

[de crowe]

get a good solicitor asap. your insurers have no obligation to look after your interests other than the recovery of your insured risk with them, namely the value of the bike. surely some one in the northern iron brigade can recommend a reputable solicitor?

 

[Ragnar]

Sorry to hear about your accident

All EBike policies come with legal cover, provided by Angel Assistance. Check with EBike, but I think they will pass your claim onto them to handle and they will be in touch with you very soon - They also handle your claim for "uninsured losses" such as your helmet & other kit, hiring of a replacement vehicle and also any personal injury. I've had a claim go through with Angel Assistance on a previous policy and they seemed pretty good.

As far as I understand, you don't have to use Angel Assistance, but you have already paid for their help in this case and as I say, they were pretty good with my claim.

Best of luck, hope you're not hurting too much,
David.

 

[Robbo1200ADV]

I do the Medico legal reports for those injured in RTA's. Your insurance Co will get a solicitor to contact a Medical Expert to do a report on you once you are out of Hospital ,so long as it was the 3rd parties fault.You wil see a Doctor who will make a report advise on treatment Physio etc and submit a prognosis on recovery time, loss of earnings and any permanant scars etc . These things take time,keep a diary of Doctor appiontments ,physio appiontments time off work loss of hobbies holidays etc .The Medico report can help obtain fast track physio etc so is worth doing. As for the bike its replacable unlike you. Hope all goes well . Robbo

 

[spikerjack 46]

Sorry to hear about your mishap and that you're not too badly mangled . Better the bike than you and that you'll be back on your feet again.

 

[D6]

kn ell,get well soon m8

 

[Allan Davies]

Tiny me old mate sad news indeed. I hope Ruth is keeping her chin up I expect she is glad of the peace and quiet ALL THE BEST FROM THE WELSH POSSE AKA ALLAN,MEL,ANDY,RACH,STEVE,BETH AND GADGET WHO IS STILL BITCHING ABOUT FRANCE AS WE ARE GOING BACK THERE LATE MAY BANK HOLIDAY!!!!!!!!!
THESE WILL BRING BACK SOME GOOD TIME MEMORIES I HOPE, SO TAKE CARE ME OLD MUCKER AND GET WELL SOON!

 

[Allan Davies]

Is there any update on the recovery of TINY???
And in true TINY style

 

[miles away]

with regards to the insurance, once you have informed your insurer, they will arrange for any benefits you are entitled to (courtesy bike, legalk cover etc) depending on the cicumstances and where the blame lies, the best case is that their insurer takes 100% of the blame and starts to help you out asap. in this instance you prob wont even need to pay your excess, your insurer will merely act as a go between for you and their insurer. worst case is that they blame you, or the blame is disputed. this means you'll pay your excess, your insurer will cover all costs you are covered for, and you will lose no cloaims bonus. you will also have a fault claim on your insurance record, held on the MID (motor insurers database) these dings will only be removed once the two insurers have decided /fought out, who is to blame.. if your eventually found to be at NON FAULT, you'll get everything refunded by your insurer, once they claim it from the other insurer. however, keep a record of all costs incurred including any taxi bills, costs incurred, take photos of any injuries (if possible) make sure you have drawings of the scene, a statement and everything else you could need in 6 months time, once you've forgotten everything (i learnt the hard way!!!!!) also take pics of any damage to your kit and bike...
the insurer (his or yours, depending on blame, or possibly both) will send out an assessor to look at the bike, and assess what damage there is.. you'll then be given an indication of whether the bike is a write off (off varying severity) or repairable.. if its a write off, you'll get paid out market value of the bike, and may get the chance to buy the write off back if you like....

sounds like doom and gloom, but like somebody else said, the insurer does the hard work, so dont worry bout it. after a £180,000 claim i had, you need to remember that bits of metal mean sod all, they just look nice, the important thing is you gettin on the mend, hope this helps, any questions, feel free to ask, or call me (07739982051 mike)
i was an insurance fraud investigator for two years, although not an expert, i know a little about insurance.

get well soon

 

[Aidan1150]

Someone told me about your accident in Donegal at the weekend DR. Heal well and fast fella. All the best to you.

 

[Thunder]

Tiny

I'm also with Ebike and following my off in January have to say their claims service is pretty good, you can report it on the phone and they do the rest.

As has been mentioned already part of their policy covers Legal Expenses up to £100,000 from memory and they appoint a solicitor and get on with sorting out any claim.

Hope your back on your feet soon.

 

[brassmonkey001]

Best wishes for a speedy recovery.

 

[dragonrider]

I'm Ruth, Tinys other half and just wanted to thank all of you for your best wishes and your help in making this mess a bit clearer.

He is home and healing and no doubt will be at the puter to say thanks for himself in a few days

 

[Allan Davies]

Ouch new elbow fitted Hope they put it in the right way around
I am gonna have completly remake the movie from scratch as it looks like that will be the best and quickest option
So hopefully it will be with ewe shortly(ish) well it will only be 8 months since the trip, so what do ewe expect

 

[WGD1340]

WTF is wit all the icons?

 

[dragonrider]

Thanks

Feeling better, appreciate the help an best wishes. it will take time but i am mending

 

[AndyT]

Sorry to hear about your off mate and hope your back on your feet soon. Don't admit to anything as it may affect your claim but the legal people appointed by E-Bike will be working for you not against you.

AndyT