Minor no fault accident involve 2 cars and a bike!

Quentin

King_Nothing wrote: »

If it were me, and I wasn't injured, I'd get the guy in the car to pay for the damage to my bike, and that would be it and I wouldn't bother telling my insurance........

This is bad advice.

If you don't tell your insurer you break the conditions of your policy.

In this multi vehicle/bike incident there is bound to be at least one claim made by one of the parties involved.

Thus all details of those involved will go on the CUE database, and anyone not reporting this will get found out - maybe when making a claim in future, allowing the insurer to reject it due to this non disclosure.

cyclonebri1

samtheman1k wrote: »

Yes, I know you're all right, so have told them. Didn't realise I had to go through a third degree investigation from their solicitor regarding any injuries that I may have within the next 72 hours!

Yep, even your own insurer is on the claims band wagon, and now tell me they don't condone it:mad::mad:

bigjl

Lum wrote: »

Wait the guy who hit you has instructed a solicitor to do that?

If so, then no informal settlements. Do this 100% by the book i.e. claim through your insurance or through a separate claims management company. Do not speak to their solicitor, have your own deal with them.

I'm normally an advocate of settling privately, but after that there would be absolutely no chance.

I'm with LUM on this one, keep it all above board, as almost certainly the driver that hit you is going for a claim up with the guy behind.

Have heard stories of some people that have rear ended somebody only to try and sue them for injury, even though they hit the person they are suing, especially funny when the person they hit wasn't actually in the car at the time.

bigjl

King_Nothing wrote: »

If it were me, and I wasn't injured, I'd get the guy in the car to pay for the damage to my bike, and that would be it and I wouldn't bother telling my insurance, as even if it isn't your fault they still load the premium against you, if the £200 extra on my car insurance after adding a non-fault accident is anything to go by.

I think advising a course of action that could lead the OP to be uninsured in the event of a serious accident in the future is not really the best idea.

Norman_Castle

Then total damage to my bike is around £50.

You dont say what the damage is, but it may be worth having the damage assessed before accepting any payment.