Van reversed into me today, damaged bike

Morning all, I thought I’d share today’s incident for your perspective here. I had pulled down a side road on my usual commute this morning, I’m following a van at a reasonable distance (a couple of car lengths). He pulls up suddenly in the middle of the road so I also stop (now about a car length behind). Because he is in the middle of the road and it’s fairly narrow I don’t pull out to his side in case I block the road. After a few seconds he reverses quite sharply straight into the front of my bike, as the fairing is smashing in front of me I decide it’s a good idea to leave and jump off the back as the bike goes down.

I don’t see that I did anything wrong here, yes I could have hung in his mirrors but the road was narrow and this wasn’t an easy option, equally I had my lights on and I’d been following him for at least 100m up the road so he had time to check. I also beeped my horn when he hit reverse but clearly this didn’t make any difference (louder horn required!)

Clearly he had decided the car ahead was not moving and intended to pull over to allow them through, without seeing me (he admitted as much). He’s apologetic, a rider himself and glad I’m OK (as am I). We exchange details and I limp the bike in first to work as it’s only a couple of minutes away. It didn’t sound great but I’m hoping it’s just some chatter from the bent bits and not terminal, I have crash bars so fingers crossed.

I’ve now rung my insurers who will pick up and assess, I’ve also spoken to his company’s HR team given he admitted fault and asked if his insurers will be in touch. In terms of what’s next I’d really like to be back on the road ASAP as it’s a massive pain to get to work by train and my car is out of action at the moment. Should I allow my insurers to repair (can I insist on Yamaha given it’s a brand new bike?) and then claim off his insurers or do I approach them directly to see if they would like to do this themselves? If it’s the former its my understanding I’m on the hook for the repairs until they claim them back so I’m not massively keen on that approach. Equally any idea whether I can get a replacement vehicle when I am riding on a CBT rather than full licence?

Cheers

T

In theory, you can get a hire bike at his expense. His insurance should pick up the bill for it but DO NOT TAKE THEIR WORD ON LIABILITY FROM A PHONE CALL. Nothing matters until you have it in writing. What’s normal is you give your insurer his insurers details and they sort it all out for you. 

If it was me though, I’d ring the HR dept back, tell them this doesn’t have to get complicated and you’d like to get it sorted asap. If you take it to your Yamaha dealer and get them to repair it to your satisfaction, would they simply pick up the bill? If they say yes and if you’re not going to sue them for injuries etc then I’d say everyone goes away from this happier.

Not a good start to the day! As I understand it, you are within your rights to get your bike repaired by who you like. The best person to ask about this kind of thing is T.C. He has helped out a fair few people on here, it’s what he does for a living. You can get his updated contact details here: https://londonbikers.com/forums/posts/1077683/new-contact-details

+1.  Until you have proof that the insurance company has admitted 100% liability for the claim, they could argue it later, and that will cause a great deal of annoynace.  Start a record of every minute that this this takes you away from what you would normally be doing.  Also log every telephone call, email and the like with full dates times duration and the name and position of every person you speak with.  No matter how simple these things re meant to be, they do drag on and take longer.  Even getting a replacement bike with take at least half an hour of your time as they’ll be paper work to sign, plus the time frame of when the bike is being delivered.  Also note how much of your time is compromised by waiting in for the bike, when may normally be out working and erning, or doing other things.

I beleive one of members on here, I think it’s T.C., works for the motorcyclist specialist solicitors Sorry Mate.  Touch base with them.  Also ring Rider Support Services on 02082464900 whom I’ve used several times.  Speak with Michael Wheatley, the top guy there, and feel free to say that I referred you.  The other motorcycle specialist solicitor is White Dalton on 01296663601 based in Aylesbury, whom I’m using at present for a simple case.

Most importantly, is that you are ok.  Injuries do not always show up at the time.  I’ve had whiplash four times, and each time, it has never manisfest on the day.

Thanks both, I agree I’d like to get this sorted directly if possible. My insurance is through Just Motorcycle Insurance and as they are a broker I am getting the sense that this could be a long winded affair if I have to go through them…at the moment I’m just p*ssed off as the bike had just got through the break-in period and it was starting to loosen up nicely! I am definitely going to push for a official repairer rather than the one friendliest to the insurer.

If you need any help we work with Mccams and can sort out everything for you…

Sorry to hear this tjl80, I am with JMI too but haven’t had to claim or contact them for anything yet. Hope it gets resolved quickly for you.

Sorry to hear tjl80 - pleased you’re ok. All the best getting everything sorted quickly. Last year it took six months to sort things out after a Taxi ran in to the back of me. Do hope your driver doesn’t play silly buggers like mine. Good luck.

Thanks for the feedback all, there is a really useful list of providers above to help with this stuff that I had no idea about. On this occasion I’m going to run it through the 3rd party’s insurer appointing the garage of my choice rather than get another party involved on my behalf. Having said that if I’d known about mc-ams this morning I’d probably have called them in the first place rather than speaking to both sides! I have a hire bike arriving tomorrow morning and hopefully the repairs can be authorized fairly quickly from here, if there’s any trouble I know who to call.

Small update - my loaner is a YBR125. It’s brand new and still completely pants. Serves me right for not passing my test yet I guess. Dear god I can see why some people hate 125s. The MT is an absolute delight in comparison to this heap. I’m not entirely convinced that the YBR doesn’t want to kill me. It has a riding position of a 70s armchair, equivalent handling and a shiny slippery leather seat to match. DO NOT LIKE. I may regret deciding to let the insurers sort this one out as they’ve yet to even come and look at my bike…

didn’t like the 1 ride I’ve done on a ybr… @tjl80 ridden a big bike yet?

So did the driver admit liability then to the insurance?

Not to scare, but sure something similar happened to someone on here once, they were all sorry until it came to the insurance companies getting involved and the driver claimed the bike went into the back of them… With no witnesses guess who won…

Hoping the driver sticks to the story given the circumstances and the fleet vehicle. Didn’t strike me as a dishonest bloke but who knows… All I know is the ybr needs to go back and get the MT operational. Need my test to try a big bike, but wasn’t planning to change up straight away.

This is why I run a camera on the front of my bike on my commute. In my case, vital evidence in my claim against Boris for the damage done by one of his bikes whilst I was stationary.

Is the YBR a loan bike as on free loan or a hire bike as on hire?

If its a loan fine although I can’t see that it would be. If its a hire bike be warned unless the other side admits 100% blame you will end up liable for a percentage of the hire charge! That percentage can rack up very quickly to a tidy little sum too. As convenient as it is to have use of the YBR if its on hire the best plan could be to do without it.

+1 mccams, clearly a non fault accident, they specialise in noin fault motorcycle prangs and do all the hard work for you.

Quick update to say that this worked out alright, the driver admitted fault and his insurers agreed to all repairs as advised by the dealer I bought the bike from. I had a chat with the dealer as the exhaust had been damaged and they were going to replace, managed to bag an akropovic instead of a r stock exhaust with me paying the difference (about £100). I would never have paid for the full system otherwise! I’m now investigating airbag jackets as additional insurance for me but these appear to be very, very expensive at the moment.

Ian Williamson has an airbag jacket
Ask him how he rates it
And the twat has set it off getting off his bike and not disconnecting it

LOL

Quick update to say that this worked out alright, the driver admitted fault and his insurers agreed to all repairs as advised by the dealer I bought the bike from. I had a chat with the dealer as the exhaust had been damaged and they were going to replace, managed to bag an akropovic instead of a r stock exhaust with me paying the difference (about £100). I would never have paid for the full system otherwise! I'm now investigating airbag jackets as additional insurance for me but these appear to be very, very expensive at the moment. tjl80


£300 but worth every penny if you need it.