Accident – car driver wants to take my bike for analysis?

Home Forum Bike Forum Accident – car driver wants to take my bike for analysis?

Viewing 45 posts - 1 through 45 (of 160 total)
  • Accident – car driver wants to take my bike for analysis?
  • jamiep
    Member

    Tell her to do one!

    allthepies
    Member

    jamiep wrote:

    Tell her to do one!

    +1

    As above, it’s not her bike to value. the insurance can ask for several valuations from you but you should not surrender your property to a 3rd party.

    amplebrew
    Member

    I’d be speaking to her insurance company as that doesn’t sound likely.

    If she won’t give you their details, then the cops will give you all the info.

    In fact it might be worth avoiding the driver for the moment and get the insurance details straight from the Police.

    If the insurance company want to inspect the bike, they should have an assessor who should come to you.

    bencooper
    Member

    I’ve never heard of this before – sounds pretty dodgy to me, what’s to stop her chucking the bike in a canal?

    IanMunro
    Member

    Not a chance. It’s your property.
    Just put in writing that you are happy to take it to a 3rd party bike shop for assessment.

    samuri
    Member

    You should hope they take it to the guy who valued the car that I hit a few years ago.
    He valued a tatty R reg Hyundai accent at over £1500.

    spooky_b329
    Member

    Ask for her car for security 🙂

    dibboid
    Member

    Tell her she can have your bike if you can have her car. Fair swap. Forget it just tell her to swivel!

    wobbliscott
    Member

    None of her business. If her insurance company wants an independent estimate then it is upto her insurance company to arrange, no her personally. If she’s not going through insurance then she should take you up on your offer to take it to a shop of her choice.

    Do not give it to her!

    If she has involved her insurance, then the matter is now in the hands of them & your solicitors.

    I have just this week accepted a full & final settlement for an RTA I was unfortunately involved in back in January 2012! – So don’t hold your breath & NEVER accept there 1st offer, what im getting compared to what I got fobbed off with 8 months ago is very significant indeed! 🙂

    I assume you are ok btw?

    All the best,

    Alan.

    chunkymonkey
    Member

    Sounds dodgy to me mate,tell her you’ll let them have a look if they come around to your house and do it there.

    warton
    Member

    If it was a car that had been damaged, you wouldn’t hand it over to the other driver, would you?

    Exactly, only deal with her insurance company now. It’s out of her hands.

    ChunkyMTB
    Member

    What that lot said

    RichPenny
    Member

    Tell her to come and collect it.

    Hide in the front garden, then own her with the bent forks as she arrives. They may not be bombers, but it’s the principle that counts.

    b r
    Member

    No need to have a go at her, if that’s what her insurance company has told her.

    Just be polite and tell her to go back to her insurance company and tell them to organise their own assessment – at their cost/time, if they aren’t happy with your quotation.

    And ensure you also include any clothing damaged.

    Superficial
    Member

    So, I was involved in an RTC the other week, completely not my fault. The driver has admitted liability (to me in person, at least) and I’ve got police statement / independent witness to corroborate my case.

    Anyway, the bike is quite badly damaged (front wheel totalled, forks bent, bar tape and bars scuffed, shifters damaged etc). I took it for an independent valuation at a major bike shop who said it was uneconomical to fix. I’ve shown this to the car driver who has involved her insurance (I don’t think she was expecting it to cost £700+ when she admitted liability) who have apparently advised her to collect my bike for ‘her own independent valuation’. I have offered to take the bike to another shop of her choosing for a second opinion, but she has declined this, insisting that she wants to take the bike.

    I’m not quite sure where to go now – it seems unusual for them to want to have the bike. It’s pretty worthless to me currently but it just seems unnecessary? If it was a car that had been damaged, you wouldn’t hand it over to the other driver, would you?

    Any advice welcomed.

    hora
    Member

    Did the request come from her insurer or her saying they asked to give it to her?

    Weird thing to ask. An insurer wouldnt say that IMO

    Premier Icon bearnecessities
    Subscriber

    Depends; would you…..? 😉

    project
    Member

    Her making things up to ask you and then saying it was the insurance company that requested her to are wrong, ask for a copy of the letter from her insurance comapny, and pass it on to your comapny, let them debate it over a few emails.

    all insurance companies write things down,and send all requests ut in writing also all calls are recorded, just remind her of that, and dont forget to claim for taxis, hire bikes, damaged clothing, and emeotional shock and injuries.

    Premier Icon downshep
    Subscriber

    She paid her premium to her insurer so they take the hit for her liability and all the chasing up and paying out that follows. They do have the right to seek a second opinion on the cost to repair or replace your property but taking possession? Would they do that if your car was involved? Nope, they would send an assessor round to the garage / house to examine it. Sounds like they want her to do their donkey work for them or she wants rid of the bike. Either way it’s well suss and a deffo no no.

    Advise her insurer of when you will make the bike available for their assessment under your supervision.

    Premier Icon MoreCashThanDash
    Subscriber

    As a former claims manager, any contact regarding your claim against her should be from her insurers – there is a definite smell of rat.

    Either her insurers contact you to arrange a second valuation, or else she has not involved them and she is after a second valuation.

    gears_suck
    Member

    The request to take your bike away is rubbish. This is between her insurance co and yours. Neither one of you should be contacting the other directly. Any request or communication that is made outside of those channels, ask for in writing and forward to your insurer. As for the advice about getting information from the police. That’s not true either. Any information gathered by the police is covered by the data protection act and will not be disclosed to you, only to your insurer who will have to request the information. Put them to work. That’s what you pay them for.

    Premier Icon crazy-legs
    Subscriber

    As a former claims manager, any contact regarding your claim against her should be from her insurers – there is a definite smell of rat.

    +1

    I’ve seen it from the other side – working in a bike shop we often used to get asked to value bikes involved in accidents and the correspondence was always by letter from the insurance company advising us of the situation and supplying paperwork for us to fill out.

    The owner would bring the bike in and once we were visited by someone from the insurance company (think there was concern about a rip-off claim but maybe it was just a random check to make sure we weren’t inflating the repair bill).

    It’s for the insurance company to request other valuations if necessary.

    shotsaway
    Member

    Are her insurance company definitely involved?

    sbd16v
    Member

    Are her insurance company definitely involved?

    this

    sounds alot to me like she is trying not to go thought her insurance, if he had involved them then why would she care if there was £25 or £2500 worth of damage there paying not her.

    oldgit
    Member

    When mine was economically written off the other party sent someone round to assess my bike.
    The guy didn’t have a clue, had no idea about top end carbon racing bikes.
    I had a fair estimate, we didn’t push it. I said if you search the net you won’t find the same any cheaper.
    He mentioned repairs. I said I’d want a lifetime guarantee on the work, and if it failed when I was descending or in traffic I’d take them to the cleaners.
    He accepted my quotes.

    Superficial
    Member

    I don’t have an insurer – not for whilst I’m on the bike anyway. Would my home insurance deal with her insurance company? Or my car insurer?

    Or do I just liaise directly with her insurance co?

    I understand that there are various legal services/lawyers (specialising in bike accident cases) I can employ to handle the claim on my behalf, but I’d really prefer not to get these people involved. It just seems unnecessary.

    Are her insurance company definitely involved?

    I presume that’s the case, but I only have her word to prove this.

    oldgit
    Member

    sounds alot to me like she is trying not to go thought her insurance, if he had involved them then why would she care if there was £25 or £2500 worth of damage there paying not her.

    ^ This.
    She was prepared to stretch to ‘a couple of hundred quid’ you know… do me a favour. Cheapest quote was £3200

    project
    Member

    don’t have an insurer – not for whilst I’m on the bike anyway. Would my home insurance deal with her insurance company? Or my car insurer?

    Or do I just liaise directly with her insurance co?

    Try these, http://www.bikeline.co.uk and free.

    amplebrew
    Member

    Superficial – Member
    I don’t have an insurer – not for whilst I’m on the bike anyway. Would my home insurance deal with her insurance company? Or my car insurer?

    Or do I just liaise directly with her insurance co?

    I understand that there are various legal services/lawyers (specialising in bike accident cases) I can employ to handle the claim on my behalf, but I’d really prefer not to get these people involved. It just seems unnecessary.

    Are her insurance company definitely involved?
    I presume that’s the case, but I only have her word to prove this.

    The Police will have her insurance details on their RTC report.

    I’d call the Officer who dealt with it to get her insurance details and call them myself.

    butcher
    Member

    The police will be able to provide you with details of her insurance company. You’d expect to have had some sort of correspondence from them really. Speak to them directly and they’ll be able to process the claim for you…though how it works if you’re not insured yourself, I don’t know. I dare say they’d be less inclined to pay up if there’s no weight behind you, but with a witness, they probably know they don’t have a leg to stand on, and you might find they’re happy to pay straight up.

    That’s my experience from making a couple of claims in the past (for the car)

    neilnevill
    Member

    Your home insurer will probably Cibber you for legal stuff against you, and put you on to a preferred solicitors who may pursue claims for you. I would do this. In fact I currently am after being knocked off by white been man a year ago. If you contract her insurer on your own they will ignore, delay, counter claim and rudely bully you as they know you aren’t an expert. Been driver’s insurer grief it on with me… I’d have let it go if they hadn’t, now they have pursue me for some losses and my solicitor is working on agreeing the amount for the last items.
    Best of luck. Hold firm.

    mrchrist
    Member

    RichPenny – Member
    Tell her to come and collect it.

    Hide in the front garden, then own her with the bent forks as she arrives. They may not be bombers, but it’s the principle that counts.

    I have just wet myself.

    shotsaway
    Member

    A colleague of mine was knocked off his bike last year and fortunately he had British Cycling Ride membership. They dealt with his claim as part of his membership package. He pays £28 a year for his membership.

    hora
    Member

    Try it. You would have to take A 26’er out of my cold dead hands.

    samuri
    Member

    I reckon she’s gone ‘it’s a bike, it’ll be about fifty quid to put it right’, and now she’s heard a quote in the hundreds she thinks you’re trying it on.

    Either way, just do the stuff above. Get the insurance company involved.

    Ramsey Neil
    Member

    Get a solicitor involved . When I was knocked off by a car the insurance company would not deal through me but only through a solicitor . If she has admitted liability you won’t have to pay anything and you will almost certainly end up getting more than you expect .

    sbob
    Member

    Superficial – Member

    I’ve shown this to the car driver who has involved her insurance (I don’t think she was expecting it to cost £700+ when she admitted liability) who have apparently advised her to collect my bike for ‘her own independent valuation’.

    This is utter horse shit (as others have said).
    There is no way in hell an insurance company would rely on their customer for third party loss adjustment.
    I’ll bet you a five finger kit kat she is yet to inform her insurers.

    konabunny
    Member

    Is this all being done on the phone or something?

    Just write her a letter saying you damaged my bike, here’s an estimate to have it fixed or replaced, as a courtesy I can take it to another shop your nominate at my convenience for a similar quote, but otherwise I expect you to send me a cheque in the above amount within 14 days. Don’t say a word more than you need to. Do keep copies. CC it to her insurance company.

    solamanda
    Member

    If you are not going to claim for injury you can do it yourself. Contact the insurer yourself. They will handle most things but you might need your valuation for the bike. I’ve done this before and they sent an assessor to verify my bike shop valuation.

    solamanda
    Member

    I would also stop all contact with the driver. They are trying it on.

    Superficial
    Member

    All done via email, so there’s a paper trail at least. Initially she said she would pay and to just send her the bill. When I did that, she emailed back saying she wanted to pick up the bike. In her email she talks about needing to know the ‘market value of the bike prior to the incident’ which is clearly wrong. My understanding is that all that matters is the cost of a suitable replacement, which I’ve given her. Anyway, I’ve emailed her back asking her to either nominate another shop to take it to, or to give me her insurance details / get the insurer to contact me.

    Seems a funny way to ‘try it on’ though. I don’t really see to what ends she thinks she can help herself by having my bike.

    falkirk-mark
    Member

    She wants to give you £200 and not inform her insurance company. Just tell her you want to go through her insurance.

    Premier Icon psling
    Subscriber

    Someone on a forum somewhere has advised her not to accept your valuation and to get her own valuation 😉 She obviously believes she actually has to have the bike to do this.

    Your latest email to her should hopefully clarify the situation.

Viewing 45 posts - 1 through 45 (of 160 total)

The topic ‘Accident – car driver wants to take my bike for analysis?’ is closed to new replies.