Hi there all!
Well, as you may or may not know, I had a bike accident on the 24th may and wrote the bike off. Not my fault, but I thought i’d give you an on-going account of my insurance claim and how fast (or, more than likely, slowly…) it goes in the real world.
No names of staff of course.
A few details about my policy etc for reference:
Insurer broker= Carole nash
Type of insurance = Fully comprehensive
Bike= ZZR1400 19 reg.
After the accident, I was unable to obtain the third party’s reg number or name so the police obtained it. A few days later, the police sent me a letter telling me where my bike was and I had 28 days to collect it or it’d be sold to go to storage fees.
I came out of hospital and I made the first call to carole nash on 29th may (due to being in hosp, getting home, checking the forum family visits etc…) and informed them of the accident and the bikes location.
Carole nash immediately said that my details were being sent to a company called 4th dimension as they were carole nash’s accident partner…
So, I get a call from 4th dimension the following day (30th) saying that the bike will be collected and taken to surrey to be damaged assessed. It had a tracker on so this was correctly done.
4th dimension also said that because of my injuries, they had put me through to the serious injuries dept for an injury claim to proceed…
On the 30th still, I get a call from a solicitor, asking me for the other bike details (which I didn’t have from the police yet, despite asking 3 times…)
I get a message from 4th dimension saying that the bike is an “uneconomical to repair” and a write off. Sad day as I loved it.
I then heard nothing from anyone until 2nd june and that was the solicitor.
I had a few questions regarding the funding of this claim as she happened to mention “payment options”…
Basically , because I have legal protection as part of the carole nash insurance, I don’t pay for this service NOR do they take anything from my payout…
Also, I asked them why they wanted the bike details from my bike as that wasn’t part of a “personal injury” claim. She was a bit wiffy for a decent answer tbh (more on this to follow…)
The personal injury claim was for the bike gear, loss of earnings and Injuries sustained etc and not for the bike as surely that’s why i’m insured via carole nash? And, these cases can take ages (2 years!!!) to go through the courts and I want another bike asap!!
5th june. Leave a message for the poice again, requesting the bike details from the third party. No reply.
6th june, Finally, a call from the police, giving me the required information! I don’t blame those guys whatever. Totally underfunded and busy as hell.
Called carole nash (auto transferred to 4th dimension) asking why my bike is included in a personal injury claim and he said that it’s not true and shouldn’t have been said. My bike repair/replacement is separate claim. All good to progress as they now have the details.
Should be quick I hope.
I sent the requested Information to the injury lawyers company too (along with pics of my damaged gear.
I decided to google the company (injury lawyers ) and the results were not good to say the least. Big insurance companies use them but terrible reviews (minster law) on trust pilot so i’ll see…
Tbh, the solicitor given to my case seems ok so fingers crossed…
That’s it for now.
I’ll only say @Iron “over” when it is as it’s HIS trade mark and not to be used lightly!
More to follow…