a van hit my husband last night ,knocking off his bike the bike is finished .the driver of van "apologised" police were called took statements ect.what can my husband claim for (it was company van) the bike was bought for £50 from a friend but was worth more.
2007-01-17 02:15:57 · 8 answers · asked by smiler 4 in Politics & Government ➔ Law & Ethics
jonah he doesnt want to defraud anyone i was just asking because the bike was bought at a cheaper price as a favour from a friend .he,s not going to be able to another bike the same as cheaply and wondered would the insurance let him get a similar bike even though it may be more expensive or would he just get the 50 he paid for it?
2007-01-17 02:39:21 · update #1
the companys insurance will be liable , and will have to pay for replacement (like for like) plus any damages to your husband ie out of pocket expences
2007-01-17 02:23:30 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Hello I love the name you have picked, Smarty Pants. It conjures up all kinds of pictures of how you really look.
Hope your husband wasn't injured in the accident and if so hope he is recovering. I ride a bike a lot and often have near misses with cars,lorries and vans etc all cutting too close when overtaking and squeezing past when there is traffic coming in the opposite direction. Assuming he has the van drivers name and the company name he should make a claim on them which they will pass to their vehicle insurance company. They must give you the insurers name as an accident has occurred. You may be covered on your household policy also. Claim for the replacement cost of the bike on a like for like basis. Keep the damaged bike as evidence. Also report the accident to the police. The van driver should have done this. In fact every traffic accident should be reported but is seldom done so. Get in there first and get the appropriate accident report number. Best of luck with this one.
2007-01-17 10:59:35 · answer #2 · answered by ANF 7 · 0⤊ 0⤋
It would be fraudulent for your husband to claim more than the £50 which he paid for the bike. Compensation is aimed at placing the compensated person in the position he was in before the incident and your husband's position was that he owned a bike worth £50. Bikes depreciate in value as time goes by: there might be an argument for claiming more if your husband had paid for extra accessories, perhaps, which had to be written off too. Don't forget that if your husband's clothing was damaged by the accident he could claim for this too -- at least to the extent of dry cleaning bills. Any personal injuries would have to be the subject of a civil claim (i.e. in the County Court).
This happened to me once. It's a miserable business!
2007-01-17 10:44:20 · answer #3 · answered by Doethineb 7 · 0⤊ 0⤋
go to Parker's used bike guide or something similar and it will give you the book price of the vehicles value , it doesn't matter what he paid for it , your best option when dealing with insurance is to find several similar vehicles in the ads send them to your insurance company and be adamant you want enough to replace the lost vehicle .
2007-01-17 10:24:10 · answer #4 · answered by Anonymous · 0⤊ 0⤋
depends on the insurance policy and how much the bike was worth right before the accident
2007-01-17 10:18:53 · answer #5 · answered by Doug H 3 · 0⤊ 0⤋
I was knocked off my bike by a woman (!! not helpful lady!) in a BMW who ran a red light round a corner. She didn't stop. But enough about me... I wouldn't mention the value, I would request a 'like for like' replacement (Model/brand/features etc).
2007-01-17 10:21:33 · answer #6 · answered by tigerfly 4 · 1⤊ 1⤋
You need witness valuation for bike plus contact s/one for person all injury
2007-01-17 10:20:07 · answer #7 · answered by maxie 3 · 0⤊ 0⤋
well, as long as he gets back what he paid for it, it doesnt really matter does it?
2007-01-17 10:24:36 · answer #8 · answered by Anonymous · 0⤊ 0⤋