Motorbiker punched off my wing mirror deliberately - What can I do?

bazster

ChumLee wrote: »

since when has motor insurance covered you for criminal offences such as damage?

Since forever as far as I'm aware. I recall claiming successfully many years ago when some !!!!!! tried to break into the only brand-new car I've ever owned and wrecked the door in the process.

ChumLee

bazster wrote: »

Since forever as far as I'm aware. I recall claiming successfully many years ago when some !!!!!! tried to break into the only brand-new car I've ever owned and wrecked the door in the process.

So the offenders policy paid out? That's impressive.

cornish123

enfield_freddy wrote: »

maybe the OP forgot to tell us all he had a 24ft caravan on the back of his car

and what would that have to do with anything?

he was mid turn when the bike came around the corner, what's he meant to do? wait to turn all day, just in case something comes flying around the corner?

whichever way you attempt to spin it, the bike rider was at fault, he should be riding at a speed where he can stop comfortably

ChumLee

cornish123 wrote: »

and what would that have to do with anything?

he was mid turn when the bike came around the corner, what's he meant to do? wait to turn all day, just in case something comes flying around the corner?

whichever way you attempt to spin it, the bike rider was at fault, he should be riding at a speed where he can stop comfortably

What's speed got to do with damage?

Norman_Castle

DrRadar wrote: »

Road was 30 mph. Saw biker through passenger window. Biker was going so fast he had actually ended up only on front tyre while breaking. The area is a residential area.

Really?. How far was the rear wheel from the ground?.

OP CLICK THE BLUE QUOTE BUTTON AT THE BOTTOM OF POSTS YOU ARE REPLYING TO.

...................................................BELOW HERE

BeenThroughItAll

DrRadar wrote: »

Biker was going so fast he had actually ended up only on front tyre while breaking.

Ever ridden a motorcycle? I can get the back wheel off the ground at not much above walking pace if I choose to do so.

Not condoning the damage, but if you are going to chuck accusations of speeding around, you will need evidence, not conjecture based on your assessment of what is fast and what isn't, based on no experience.

FreddieFrugal

BeenThroughItAll wrote: »

Ever ridden a motorcycle? I can get the back wheel off the ground at not much above walking pace if I choose to do so.

Not condoning the damage, but if you are going to chuck accusations of speeding around, you will need evidence, not conjecture based on your assessment of what is fast and what isn't, based on no experience.

Irrelevant.

However if a man is if a disposition where he thinks very little of following someone to then wilfully damage their property.

Then they probably would also think very little of speeding. If he'd been going the speed limit, I very much doubt that he would have had to brake hard enough to cause the amount of irk necessary to go on to punch someone's wing mirror off.

Unless of course, he's just a psychopath.

Accusations of speeding are the least of this biker's problems from the sound of it.

DrRadar

I have reported to my insurance company but the options seem to be:

• Claim on insurance - Issue here is excess is £250, may loose now claims and my premium will go up. So may be worse off. Or would my insurance company use his to cover damage? Since its not a road accident more along the lines of deliberate damage would his insurance even pay out?
• Proceed with criminal damage claim via police - I am not even sure how this would work. I have spoke with police and reported the incident and they are investigating. I don't know what the likely outcomes of this process are though.

IanMSpencer wrote: »

As I said before, with criminal damage you can go to the police. They are unlikely to take actual action if they can get a neighbourhood resolution - which is essentially getting the biker to pay for the damage and apologise with the threat of getting a criminal record for the damage if he doesn't cooperate.

You would still need to report it to your insurers - it is the sort of incident that if you neglect to tell them and somehow it gets back to them you have invalidated your insurance. However, it should not result in a claim if getting compensation via the police is successful.

I had a friend's son who unwisely tooted a car which forced him into the side of the road. After a chase and other nonsense, the guy punched the car and dented it. Police made him apologise and pay for the damage. No other action was taken and the police did have to have more than one go to get him to cough up.

DrRadar

No I haven't ridden I bike. In my opinion it appeared that he ended up like that purely because of his high speed.

BeenThroughItAll wrote: »

Ever ridden a motorcycle? I can get the back wheel off the ground at not much above walking pace if I choose to do so.

Not condoning the damage, but if you are going to chuck accusations of speeding around, you will need evidence, not conjecture based on your assessment of what is fast and what isn't, based on no experience.

DrRadar

Yes exactly. There is two issues I guess. The near miss and the intentional damage afterwards.

ChumLee wrote: »

What's speed got to do with damage?