Re: Would like to say thanks...
okay. Pheonix say they will get in contact with me about the butchers bill (my words not theirs) by the end of the week. WIll give bennetts a ring either tomorrow or Friday depending on whether I go back to work or not (I'm not allowed my phone out in the factory, and the signal is a bit scetchy down there in zummerzet!
Re: Would like to say thanks...
Pete..I would in first instance try and see a solly as they will do a chat/assessment for free and give you some info as to what to do [Clare Lowes at BLB ( 01225 755656 )in Trowvegas maybe as she is Civil litigation and Personal injury ]
..the moneyclaimonline system CANNOT be used to issue a claim against the owner [soz Ducatista ;)] as this is for money owed.
--don't worry as she has no defence in law and remains liable under the Lords rulings in a case [Mirvahedy v- Henley 2003 in House Of Lords rulings]
..this case set the precedent that owners are liable for any accident caused by their animal even though they [physically] had nothing to do with it.
Do not delay in doing something Pete
Re: Would like to say thanks...
Spoke to chap at Bennetts who put me through to Aviva (who are the underwriter) who told me....
....that if the repair comes under my excess (which i put at £500, i know, tis a lot, but made a lot of difference to my insurance when i took it out) then its "probably" not worth making a claim. So, my plan right now is a)drs appointment for something to help me sleep cos i cant right now with all the stress of making talk on the damn phone ( I HATE PHONES!) then b) see what pheonix come back with as an estimate. Then persue a claim if it comes to it. Fully comp surely means they'll pay no matter what? Otherwise whats the point of being "Fully Comp?" and surely going to a solicitor is gonna cost me possibly more than its worth?
All i really want right now is the bike back and to be able to sleep enough to go back to normal.
Buggers :( :( :(
Re: Would like to say thanks...
Hi Pete
If I were you I'd be looking at using a solicitor who is experienced in motorcycle claims.
One very well known firm is http://www.whitedalton.co.uk/
I'd definitely use a professional - you need to know what you're doing if you are going to make a claim.
Dont leave it too long before you get some proper advice too.
Good luck :)
Re: Would like to say thanks...
Quote:
I'm insured with Bennetts, if I contacted them, will they deal with it?
If you have fully comp insurance then yes, however you should contact them straight away, because they like to use their "approved" repairers.
You can usually use your own repairer but some insurers charge you extra for this.
It's generally not a good idea to go ahead with repairs without contacting the insuirer first because they may want to send their assesor round and gain valuable information about establishing liability before repairs start.
So basically you need to get onto them ASAP.
Your main insurance policy will cover the bike only, it won't usually cover losses like clothing, hlemet, pesonal injury etc.
If you bought a legal cover policy alongside it then they will provide you with solicitors for free to use to get the money back from the woman concerned. However they usually want to use their own "approved" solicitors although they may at their discretion let you use your own.
As Loops says you may have legal cover elsewhere although ever household one I've ever had excludes accident whilst a driver/rider or passenger in/on a motor vehicle, but still worth spending a few minutes checking.
Re: Would like to say thanks...
Quote:
Originally Posted by pluggedinpete
Spoke to chap at Bennetts who put me through to Aviva (who are the underwriter) who told me....
....that if the repair comes under my excess (which i out at £500, i know, tis a lot, but made a lot of difference to my insurance when i took it out) then its "probably" not worth making a claim. So, my plan right now is a)drs appointment for something to help me sleep cos i cant right now with all the stress of making talk on the damn phone ( I HATE PHONES!) then b) see what pheonix come back with as an estimate. Then persue a claim if it comes to it. Fully comp surely means they'll pay no matter what? Otherwise whats the point of being "Fully Comp?" and surely going to a solicitor is gonna cost me possibly more than its worth?
All i really want right now is the bike back and to be able to sleep enough to go back to normal.
Buggers :( :( :(
You are generally getting bias advice from claims monkeys when you speak with insurers and bear in mind they are talking about claiming on your insurance.
What you need to be considering is claiming for your losses, personal injury etc etc from the dog owner.
For the sake of a phone call speak to a specialist solicitor - you may be surprised ;) :)
Re: Would like to say thanks...
Quote:
..the moneyclaimonline system CANNOT be used to issue a claim against the owner [soz Ducatista Wink] as this is for money owed.
Hi Col, Could you explain this to me please as I am not understanding why small claims court couldn't be used here. Cheers.
Re: Would like to say thanks...
Quote:
Originally Posted by Ducatista
Quote:
I'm insured with Bennetts, if I contacted them, will they deal with it?
...However they usually want to use their own "approved" solicitors although they may at their discretion let you use your own.
You may find this of interest - http://www.whitedalton.co.uk/how-a-c...solicitor.html
Claims monkeys want to settle cases asap its the only way they make money. Personally I'd always use a professionally qualified solicitor.
Re: Would like to say thanks...
Quote:
Originally Posted by Ducatista
Quote:
..the moneyclaimonline system CANNOT be used to issue a claim against the owner [soz Ducatista Wink] as this is for money owed.
Hi Col, Could you explain this to me please as I am not understanding why small claims court couldn't be used here. Cheers.
It's for people to use to recover money owed.
Their is no agreed debt to recover at this stage.
Re: Would like to say thanks...
Quote:
Fully comp surely means they'll pay no matter what?
Yes, but you have to pay the first £500 of any claim because that's what you chose/agreed.
In theory they should go after the woman for the costs but for a few hundred quid I suspect they can't be bothered.
Quote:
Otherwise whats the point of being "Fully Comp?
For claims more than £500.
Quote:
and surely going to a solicitor is gonna cost me possibly more than its worth?
Col is suggesting a FREE initial appointment (most solicitors do these initially).
Loops and I are suggesting you check whether you have access to free legal advice over the telpehone or free legal cover which provides solicitors for you. This insurance is normally an add-on or icnluded in your motor or home insurance althouth they may have exclusions which means you can't use them, so you need to CHECK. For example most home cover won't cover motoring accident.