Bike insurance question?

Question

motor bike is worth £600 have comprehensive insurance but excess is £500.

A car has crashed into the back of me yesterday and pushed me into car in front. My bike is badly damaged and i broke my arm.

if i claim on my insurance will the excess still come off my claim even though i am claiming off car that hit me?

Does anyone know how excess works?

thanks

Answer 1

If its not your fault you can claim any costs including excess off the other persons insurance.

Answer 2

As you were injured I'd get in contact with a motorcycle claims specialist like White Dalton. They can handle both the personal injury claim and sort out the insurance stuff as well - making sure you get your excess back. http://www.whitedalton.co.uk/

There are other companies around too. Check out the back pages of Bike/TWO/Ride etc.  

Answer 3

In the states it works like this...

You deal with your insurance company.  If the accident is ruled to be another party's fault, then your deductible, or excess, will be waived, and you owe nothing.  If your bike is totalled out, then you will receive a check for its value.  

I am glad that you were not seriously hurt.

Good luck.

Answer 4

Claiming will mean that you'll have to pay the excess regardless of blame.

Answer 5

the car that hit you shoul dbe the one that pays you just turn it in to your company

Answer 6

claim off his insurance he went into you! and since he pushed you into the other car they should claim off his insurance as well. That is only if the police find that you were in the right and it wasnt your fault .

There extremely anti-bikers in ireland and england so dont be afraid to get your solicitor or layer involved they will put your mind at ease and find out every bit of information! If they do find you in the wrong object and request a different police sector investigates the matter!

your insurance shouldnt be affected if your in the right because all claims will be made off the offenders insurance. Even if you do claim off your insurance, which i wouldnt advise, you should only loose your no claims bonus if its not protected other then that you should be find dont worry =)

Answer 7

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