Accident with a motorbike and he is ghosting me

Grey_Critic

He complains his wrists hurt - Mmm play around with Google as he has limited English - WHY did you not call the Police.

 Next week you could be asking for help with a claim for major Injuries and COMPENSATION.

A dent you can live with - Physical Injuries it is 999 - 

Baldytyke88

Marlax said:

Here is what happened...

It was heavy rain at a small roundabout. I indicated right to take the second exit and entered the roundabout. About halfway around, a motorbike came in from the opposite side and we collided. His bike went down and he was thrown, but, thankfully, he got up.

A few days later in dry daylight, I found there was actual damage: a headlight pushed in and the bumper displaced from a bracket. Not catastrophic, but it will need repair.

My guess is you are worried it might be your fault, if it was a mini roundabout and you drove over the center part.

Your headlight is damaged, it's not like he drove into the side of your car.

If it's not your fault, maybe your insurance will pay out if he is not insured?

prowla

Marlax said:

Here is the road...


On the one hand I'd rather not be out-of-pocket and I don't like the idea of him just ignoring me and getting away with it, but equally I really don't want an "at-fault" claim on my insurance file as it will cost me in premiums in subsequent years.

The correct procedure is to indicate approaching the roundabout as if it wasn't there and then left immeditately before exiting.

So you were correct in indicating right.

If it was raining and blurring their vision then they weren't taking necessary care.

The HC code says don't assume that someone is indicating correctly, so even if you were doing it wrong they still were in the wrong.

As others have said, you have to inform your insurance company.

Baldytyke88

Marlax said:

About halfway around, a motorbike came in from the opposite side and we collided. His bike went down and he was thrown, but, thankfully, he got up.

My questions: Is it worth pursuing him directly any further? If I report to my insurer now, could he deny everything and leave me with higher premiums and/or an excess to pay? 

You must report the collision to the police if you were unable to exchange details at the scene, if anyone was injured, or if you suspect that the other person may have committed a driving offence.

Aretnap

Baldytyke88 said:

Marlax said:

About halfway around, a motorbike came in from the opposite side and we collided. His bike went down and he was thrown, but, thankfully, he got up.

My questions: Is it worth pursuing him directly any further? If I report to my insurer now, could he deny everything and leave me with higher premiums and/or an excess to pay? 

You must report the collision to the police if you were unable to exchange details at the scene, if anyone was injured...

Not if you show your insurance certificate at the scene to someone with grounds for requesting it. It is possible (in theory, not in practice) to have a fatal RTA without involving the police. 

It doesn't sound like he was injured anyway if he jumped up and got back on his bike.

Baldytyke88 said:

...or if you suspect that the other person may have committed a driving offence.

There's no obligation to report driving offences (suspected or otherwise) to the police, or indeed crime in general.

There are a handful of very specific exceptions which you are obliged to report if you know about them, such as some terrorism offences, or (archaically) treason.

photome

This is what car insurance is for

MyRealNameToo

Aretnap said:
There are a handful of very specific exceptions which you are obliged to report if you know about them, such as some terrorism offences, or (archaically) treason.

From personal experience, even if you do try and report them police will often resist registering anything where they are simply going to open a file and close it immediately. When my work bag was snatched whilst in a restaurant they refused to give me a crime reference number and would only give me a lost property reference saying that as I didnt see someone take it they will assume I just lost it rather than it was stolen. 

born_again

Aretnap said:

Baldytyke88 said:

Marlax said:

About halfway around, a motorbike came in from the opposite side and we collided. His bike went down and he was thrown, but, thankfully, he got up.

My questions: Is it worth pursuing him directly any further? If I report to my insurer now, could he deny everything and leave me with higher premiums and/or an excess to pay? 

You must report the collision to the police if you were unable to exchange details at the scene, if anyone was injured...

Not if you show your insurance certificate at the scene to someone with grounds for requesting it. It is possible (in theory, not in practice) to have a fatal RTA without involving the police. 

It doesn't sound like he was injured anyway if he jumped up and got back on his bike.

Baldytyke88 said:

...or if you suspect that the other person may have committed a driving offence.

There's no obligation to report driving offences (suspected or otherwise) to the police, or indeed crime in general.

There are a handful of very specific exceptions which you are obliged to report if you know about them, such as some terrorism offences, or (archaically) treason.

Till they speak to their mates & get advised that being injured is easy money...