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01-24-2010 09:36 AM  8 years agoPost 1
shawmcky

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Isle of Wight,United Kingdom

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Oct 30th last year i had a motorcycle accident,caused avoiding a dog.Same day i filled in a claim form and sent it off.Things got complicated and i ended up in hospital with suspected DVT,dislocated shoulder,fractured tibia,ect.ect.Anyway when i came home from hospital days later i had a letter from my insurance company saying in effect ,claim rejected,no motorcycle cover.Having changed my motor trade policy after being with my original for 25years(A cost thing)i knew full well that i had requested motorcycle cover on the new proposal form.The letter i received from my new company also stated that they would be contacting the owner of the motorcycle and most likely he would sue me for the damage to his vehicle.After calls to the company no headway,i demanded a copy of the proposal form,to no avail.I belong to a small business federation with free legal advice so contacted them,told the story,disgusting the barrister said,contact the financial ombudsman,which i did,few days later apologetic broker will not leave me alone with calls apologising and waiving the (extra)cost of motorcycle cover due to their error(they had remarkably found and seen that i was correct and asked for cover)This had dragged on and because i was unsure of the outcome and trying to keep goodwill of my customer i paid for the repairs to the motorcycle which i fully documented,kept all receipts.This came to well over £3000.I recently recieved a payment for £2050 pounds as settlement.I am not happy,weeks off work as a self employed person,the stress of having to do the insurance companies work and financing the repairs at this time of year.I am writing a letter telling them how(happy) i am,and want to know how their engineer can assess a motorcycle he has never even seen and knock the invoices,I am disgusted.To top the lot i have now put my back out probably because of my weak shoulder.I am not trying to claim for injuries as they are not covered as the accident was involving an unknown dog but i dont see why i should be out of pocket on the repairs.What do you guys think?

Team- unbiased opinion.K.I.S.S principle upheld here

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01-24-2010 02:34 PM  8 years agoPost 2
Ronald Thomas

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Gainesville, Fl, USA

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I am confused, were you on the motorcycle? This is what confused me:
The letter i received from my new company also stated that they would be contacting the owner of the motorcycle and most likely he would sue me for the damage to his vehicle.

Team MikadoUSA 480XXTreme, 550SX, 600SX, 700XXTreme, 800XXTreme!!

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01-24-2010 02:52 PM  8 years agoPost 3
fla heli boy

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cape coral, florida

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sounds like he was on a borrowed ride. That's why I hate riding other peoples stuff or letting them ride mine. I had a friend jump on my MX bike and take off riding thru the field - no helmet. By the time my son let me know he had taken off, my friend had already wrecked big time. Several fractures and a foot peg to the base of the skull (punching bone thru his spinal chord).
They choppered him out and we were told there was no way he would live the night. They tried to pull the plug but his mom wouldn't let them. Well he did live, but he's a permanent vegetable, drooling, diapers, the whole nine yards.
His lawyer made a mild attempt at sueing my home owners policy but when that went south, he turned on me, but the family made him back off as they knew we were friends and that I never would've let him take my bike. He's really accident prone. I got lucky that his parents were decent, or I would've gotten wiped out.
The topper: it happened on Mothers Day.

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01-24-2010 02:54 PM  8 years agoPost 4
Ronald Thomas

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Gainesville, Fl, USA

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Wow, that is horrible. Glad you got away from that one as a lot of people are looking for handouts these days......Ron

Team MikadoUSA 480XXTreme, 550SX, 600SX, 700XXTreme, 800XXTreme!!

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01-24-2010 03:05 PM  8 years agoPost 5
fla heli boy

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cape coral, florida

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I was shocked because this family is really pi$$ poor, living in a trailer, etc. And my friend was in his mid thirties, so his mom is looking at caring for him until she passes away. Yeah, it's a pretty sad story for sure. If he would've just put on one of the four helmets I had sitting on the trailer, he would've walked away.
The other thing that saved me, is that I had a house full of friends over for a "pre-party" party. I was giving some kids rides. Put the bike up, jumped in the shower when I heard my bike take off and my son ran in to tell me "Dad, Jimmy just took off on your bike". I had a towel on when my neighbor pulled up and said "hey, your buddy is wadded up in a ball in the ditch across from my house, I think he's really hurt".
So I had witnesses that testified that I, in no way, gave him permission to be on that bike. Of course that means nothing to a dirtbag lawyer.
Yes, I got really lucky.

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01-24-2010 03:08 PM  8 years agoPost 6
shawmcky

rrElite Veteran

Isle of Wight,United Kingdom

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Motorcycle claim
Just to clarify,the bike belonged to a customer of mine and i had just picked it up from around the corner for work to be carried out at my shop.These are the problems i have had since.i was on my way to the shop when the accident occured.

Team- unbiased opinion.K.I.S.S principle upheld here

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01-24-2010 03:20 PM  8 years agoPost 7
fla heli boy

rrKey Veteran

cape coral, florida

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feeling "normal" yet??? Streetbike accidents are never a good thing.
My dad almost lost a leg on his Harley when he was 14. Sooo, bikes have always been taboo in my family.

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01-24-2010 03:25 PM  8 years agoPost 8
shawmcky

rrElite Veteran

Isle of Wight,United Kingdom

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The irony
of this is i gave up riding bikes for pleasure after 35 years without an own fault incident to avoid having an accident.This was a low speed tumble,but i guess i dont bounce so well now.Feel like i am 120 at the moment.

Team- unbiased opinion.K.I.S.S principle upheld here

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01-24-2010 04:08 PM  8 years agoPost 9
fla heli boy

rrKey Veteran

cape coral, florida

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that's why I gave up MX a while ago. The bones just don't bounce like they used to. That or the trees got harder...

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