motorbike insurance assesor

showboat

hi there,

i was in an accident with a motorbike on saturday. the person whos bike hit into me has given me a quote for the damage of €4300 which i think is pretty high. its a 00 D harley sportster

i was looking to get an insurance assessor in to look at the damage and to make a recommendation. is there any specific motorbike ones or will a normal auto assessor be ok? how long might to take to make a decision?

does anyone know of any reputable ones around the dublin area? if your not allowed to post up names or anything like that just ignore this question obviously

P.C.

Did you notify your insurance company?

If you did, they will appoint an assesor to look into the details.

showboat

ideally i'd like to keep it out of the insurance company as its just going to affect my no claims bonus and future premiums but after the quote i dont know what to do.

i thought if i had an assessors report it might give me some leverage with the guy whos bike it is

perhaps its not worth more than the repair cost but i cant say that to him with any sort of authority especially because he said he has put some work into it so it would be worth more than the market value of an equivalent bike

P.C.

First things first - tell your insurance company.
They will take care of everything - that is why you pay insurance.

Cuddlesworth

Put it through the insurance company, then pay off the insurance company to maintain your NCB. Believe me, by not notifying them, you make yourself liable for any future injury insurance claims. Although, if the bike was a right off, about 4k looks reasonable including any gear that needs to be replaced(which your also liable for).

Paparazzo

Bike damage can mount up. It's not like a car where if you tip someone it's a bumper or a panel.
Every item with a scratch on it is added onto the bill. I had a small tip and my bike dropped and the bill came to €2500 :eek:
That was an estimate from the dealer, and them missed out a few things I only noticed later.

Del2005

showboat wrote: »

hi there,

i was in an accident with a motorbike on saturday. the person whos bike hit into me has given me a quote for the damage of €4300 which i think is pretty high. its a 00 D harley sportster

i was looking to get an insurance assessor in to look at the damage and to make a recommendation. is there any specific motorbike ones or will a normal auto assessor be ok? how long might to take to make a decision?

does anyone know of any reputable ones around the dublin area? if your not allowed to post up names or anything like that just ignore this question obviously

TBH if you caused the crash, as you seem to be admitting, you've no choice in how much or where the bike is repaired, do a search in the Motors forum.

An insurance assessor will be a waste of your money. Do as the others have said and inform your insurance company.

Sids Not

If its your fault, you're to going have to pay up...pay the money or let the insurance sort it out..
Dont expect me (a biker) to advise you how to get out of paying for your mistake, youre lucky he/she wasnt killed or badly injured..

Interceptor

showboat wrote: »

the person whos bike hit into me

Eh? Who hit who in the what now?

+1 on notifying your insurance. Regardless of no claims, premium hikes and how you feel, the difference in cost won't exceed €4300 in the long term. If you DON'T notify insurance and the biker is subsequently diagnosed with an injury you will be liable for a personal injury claim.

Apart from the damage to the bike you are also liable for replacement of helmet, gloves, boots and any damaged safety gear like CE marked jackets and spine protectors - this could exceed €1500 very easily (mine does)

'cptr

FatherLen

harley replacement parts i can only imagine are very expensive.

daenerysstormborn3

Definitely inform your Ins Co. Persons involved in an accident have 2 years to file an application with the PIAB and you don't want this coming back on you in a year's time.

Also, to be honest, €4,300 seems fair to me, factor in the gear (decent helmet can cost the guts of €1,000) it all adds up

kennM

showboat wrote: »

hi there,

i was in an accident with a motorbike on saturday. the person whos bike hit into me has given me a quote for the damage of €4300 which i think is pretty high. its a 00 D harley sportster

i was looking to get an insurance assessor in to look at the damage and to make a recommendation. is there any specific motorbike ones or will a normal auto assessor be ok? how long might to take to make a decision?

does anyone know of any reputable ones around the dublin area? if your not allowed to post up names or anything like that just ignore this question obviously

Plenty of good advice already given.... €4300 isn't that much all things considered. Any sort of personal injury would be multiples of that. Gear costs can be costly too. Don't know the details of the accident/who/how etc. But I wouldn't see 4300 as taking the you know what.... assessor will charge you probably a couple of hundred quid and if he/she says thats fair then you're that much out of pocket too.

tiernanobrien

yeah i reckon its probably a fair price. My day to day gear is worth about 1k and if it was in anyway affected i'd want it replaced. I'd say if its a harley there'll be loads of cosmetic pieces be replaced plus labour.

ifah

I agree with all the previous posters - just to put a bit of perspective on how the claim may be broken down, this is part of my real life experience when I was knocked off my VStrom - on a roundabout - approx 20 mph
My personal stuff -
- Arai RX7 Helmet - 650
- Ripped Boot - 270
- Torn Leather Trousers - 230
- Worn through Glove - 110
- Shredded Wet gear - 60
- Jacket ok - 0
+ am Self Employed - so compensation for 1/2 day off work to get bike home & try to chillax
Bike Stuff
- Front/Rear rhs indicators - 80
- Handguards - 70
- Bar Ends - 40
- Front Brake Lever - 65
- Right Foot pedal - 50
- Rear Brake Pedal - 70
- Two Farings - 280
- Labour - 1/2 Day (can't remember how much)

What I've listed totals about 2000 without labour and my time off work and that was on a jap bike with parts easily got - HD has loads more shiny bits.