Report mud on the road etc

[Badger-Roy]

Why can't you get your insurance to chase the farmer?
It's what you pay them for and will be recorded as a non fault claim.

im in a similar but different position where a silly old sod didn't stop when joining a roundabout and t-boned me in my car. I don't drive or ride anywhere without a camera recording everything so the whole crash was court on film. He admited being at fault, is currantly waiting for a court date to be prosecuted for dangerous driving and his insurance paid out, however 6 months on im still fighting to get my no claims bonus reinstated. Iv been told it's unlikely il get it back though as its no claims bonus NOT no Blames bonus and dispite not being to blame I did make a claim. So wether your at fault or not if your insurance company gets involved is likely you will lose your no claims as you have made a claim, even if it recorded as as non fault. Just something to bear in mind.

[derekwiltshire]

Surely relatively easy to find culprit/farmer for mud on the road as like starts from either the farmers lane way or the field gate. However if there was heavy rain just recently and the mud has run of the banking/ field as a result then I'm afraid this would if as yet unreported to the council fall to your insurance


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[gringogordo]

Yes have rung up insurance today. I think I was letting myself getting persuaded by all sorts of nonsense yesterday. The idea that someone as lazy and inexperienced in such matters as me could find the farmer and sue is pretty far fetched.

I had it dropped at a dealership and had everything priced up to the max and it comes to about 1.5k (radiator is a bit bent). This is mainly a culmination of a lot of minor damage and seems a bit crazy but guess insurance aren't going to treat me better if it's 500 or 1500 so in for a penny in for a pound!

I will push them to take it further as it was clearly an ice rink (2 bikes over in 2 hours, 1 cyclist the night before) + it had been reported (according to the cyclist) on 101 the night before. Irritatingly I can't see the insurance company doing anything about it for a £1500 claim other than charge me more next year but we'll see.

I'll at least try and claim for my helmet from the council.

Cheers.

[wiltshire builders]

im in a similar but different position where a silly old sod didn't stop when joining a roundabout and t-boned me in my car. I don't drive or ride anywhere without a camera recording everything so the whole crash was court on film. He admited being at fault, is currantly waiting for a court date to be prosecuted for dangerous driving and his insurance paid out, however 6 months on im still fighting to get my no claims bonus reinstated. Iv been told it's unlikely il get it back though as its no claims bonus NOT no Blames bonus and dispite not being to blame I did make a claim. So wether your at fault or not if your insurance company gets involved is likely you will lose your no claims as you have made a claim, even if it recorded as as non fault. Just something to bear in mind.

Blimey. That's not good to hear.
I'm still fighting Aviva (3rd party insurer) after some old bloke ran into my van when it was parked. Caught on cam, he admitted it but a year later I'm still waiting for uninsured losses. (Loss of earnings, equipment, materials and costs incurred)
Total comes to about £1800. Not a lot but they're dragging it out by employing a forensic accountant to check I'm not pulling a fast one.
I've given them all the receipts, bank statements and instructed my accountant to give them whatever info they require.
Couldn't be any more transparent yet they still haven't paid out.
I've just switched all of my insurances to NFU mutual as a result.

[wheelers]

a lesson when settling claims.
2 years last April I was coming out of Bath on the Ducati after calling in for spares at Fowlers and Riders. overtaking a bus that had pulled in at a stop, a girl pulled out and stopped in a yellow box. I had no time to stop, luckily it was only around 5-10mph. twisted forks, lost a bit of paint on bar ends and a bit of boot scuff on paint. I took weight of bike on right hip and shoulder and kept head/helmet off the ground.
since then, Ive had several assesments, physio, and been to the Circle for specialist. the outcome apparently was its a 6 month injury. Im still waiting, but in more pain now than then. it seems Ive got sciatic pain down hips and legs , keep getting cramp in legs, neck pain and cant look up (or paint ceilings), and lately as I went in straight armed braking, shoulders, elbows and wrists are now in constant pain, all these injuries are preventing full work on bikes.
so . when you come to settling, remember , think how you will feel later in years.