TikTok Calamity

I used to be driving by way of my village when instantly this younger lad bolted out in entrance of me off the pavement.

It seems he was making a bloomin’ video for You-Tok or Tik-Tube or another nonsense along with his mate. (Sure, I do know I sound like a grumpy previous bastard… as a result of I’m!) I correctly hit him, and I believed he was severely executed for.

Fortunately, he bounced fairly nicely and each he and I bought up off the ground just about unscathed. Nevertheless, my three week-old Triumph Rocket 3 alternatively was not so good. After I hit him, I wobbled close to sufficient to a cease however then fell over. I’ve a quote of £3,377.21 to repair it. I’m now pondering whether or not to say off my totally complete insurance coverage coverage or go after the lad. As everybody is aware of everybody in my village, I do know he’s about 20 years previous and lives along with his nan after his mum and pa break up up. I additionally know he hasn’t bought an excessive amount of in the way in which of money as he has simply began an apprenticeship as a carpenter.

My insurer is attempting to place me off claiming from them, saying it can have an effect on my no-claim bonus. They stated they are going to put me in contact with a third-party firm without charge to me and I’ll get a free rent bike, and so on. Nevertheless, I’ve learn on-line that some individuals have been correct stitched up by this firm. What ought to I do?

Reply

I get increasingly more calls of ‘useful’ insurers attempting to place their prospects off from claiming from them. In brief, you’ve gotten paid your cash to insure a threat. If that threat occurs, i.e. your Triumph will get trashed, then your insurer ought to pay out for that threat, if you wish to declare. It’s so simple as that. While your no-claim bonus might be affected, your bike needs to be repaired and again on the street sooner reasonably than later.

Alternatively, you might go after the lad, and it’s possible you’ll even win 100%. Nevertheless, if he hasn’t bought a pot to piddle in, you’ll both by no means get your cash; or it can take him a number of years to pay it. Neither is sweet for the speedy restore of your bike.

As for the third-party firm, you’re proper to query their motivations. There isn’t any such factor as a ‘free lunch’ as they are saying, they usually make their cash off recovering/storing and hiring bikes, and so on. Should you signal paperwork that claims you’re accountable for these prices, and they don’t get better their outlay from the lad, guess who they are going to be coming after? You guessed it, you.

One of many worst instances I’ve seen is a £17,000 storage/ rent case when the bike had about £500 price of injury. For my part, it was scandalous and lots of stress for the poor biker who they had been chasing for cash after they didn’t get it from the third social gathering.

Andrew Prendergast

Extra Bikes April 2023

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