Someone Hit My Parked Motorcycle and Not Cooperating

akaanup on 04/07/2022 - 02:54
Last edited 04/07/2022 - 10:23 by 1 other user

A guy with his car hit my parked motorcycle while backing up and when I talked with the guy he didn't cooperate nor share his insurance/ ID details.

It happened at my workplace and I have a video of the accident. There wasn't much damage (minor scratches, broken clutch lever, there is a rattling sound when the bike engine is running) hence I assumed it won't be a large bill but the bike was new ( 2 months old and under 1k km) and the guy just does not want to accept, nor talk about resolving the accident and on the top just arguing the bike is not supposed to be parked on the car parking spot.

I only have third-party insurance as the comprehensive insurance was about $1200 annual even though the new bike cost me around $5k hence went with third-party insurance. Because of my third part-only insurance, my insurance won't chase the man even if I had his rego hence I went ahead and made a formal complaint to the local police station. But it has been 3+ weeks and not any updates (I know there are many other important things for police to take care of). On my last conversation with the police handling with my case, told me she will go to the person home(in near future) whom the car belongs, ask for his insurer details or discuss if he wants to have my bike fixed and pay himself just to save the excess and future increment of his insurance and update me.

But I don't know what to do with if he chooses he will use his insurance… Can I give my insurer the person's insurance details with the event number or do I contact his insurance and discuss it. Also if there is not any update what should I do?

Thank you for your advice.

Automotive

Comments

  • brotherfranciz on 04/07/2022 - 03:15
    +9

    Hit up your bikie friends.

    • tomsco on 04/07/2022 - 10:05
      +2

      But make sure you offer the bickies, or they may turn on you.

  • [Deactivated] on 04/07/2022 - 04:15
    +3

    I know there are many other important things for police to take care of

    they sure do…

    if the cops are being their usual selves, and he doesn't want to pony up, it only really leaves the less legal methods, unless you want to give up and pay for it yourself.

  • screensaver on 04/07/2022 - 04:19

    you might have to take him to court

  • AustriaBargain on 04/07/2022 - 05:22
    +3

    You should have told the police your uncle is the Speaker of the House.

  • MS Paint on 04/07/2022 - 06:35
    +3

    there is a rattling sound when the bike engine is running) hence I assumed it won't be a large bill

    This makes no sense.

    • mapax on 04/07/2022 - 07:05

      There want much damage…hence I assumed it won't be a large bill

      Remove the bracketed text and it makes sense, almost.

  • Brick Tamland on 04/07/2022 - 07:34
    +1

    Same thing happened to me but the driver did a runner. I attempted to get security cam footage but it was too much hassle getting police reports to obtain the footage so I just fixed it myself. If you can live with the scratches it will only cost about $40 for a new clutch lever and the rattle is probably just something loose, I doubt its engine damage.

    So you gotta ask yourself. Is it worth the hassle if you can get it fixed for probably $100 with scratches. A few scrapes and bruises is almost inevitable for a bike.

    Edit. The rattle might be a loose exhaust part?

  • doctordv8 on 04/07/2022 - 07:35
    +4
    1. Ask your Insurance co for advise first.
    2. Ask the local Police for advise second.
    3. Ask Ozbargain for advise if all the normal first/second choice options fail.
  • Leanne59 on 04/07/2022 - 07:54

    If you have the registration details of the car that damaged your bike, the police are able to give you all their details ie. Name of registered owner and their address. This is then handed onto your insurer and it's their job to chase up his insurer which they can get from his details. This is what happens in Queensland and I would assume that it would be the same in most states.

    • saitaris on 04/07/2022 - 10:28
      -1

      Except OP doesn't have an insurer to act on his behalf since he cheaped out on paying for full comp.

      This is what self insurance looks like folks - you need to deal with these people instead of handballing it to your insurer to chase them.

      • Leanne59 on 04/07/2022 - 14:40
        -1

        He does have an insurer just not comprehensive insurance, the insurance company still has to chase up the other parties insurer.

        • saitaris on 04/07/2022 - 22:07

          Yes, which is why I said he cheaped out on "paying for full comp" as in, he has third party only. He self-insured against damage caused to his vehicle by other parties. He has no insurer to represent him here.

          A third party insurer will not "chase up the other parties insurer" as you suggest. By definition third party means they will cover him for damage he causes to other vehicles, and not damage caused to his vehicle by other parties. He is on his own in chasing down the other party for repairs. Some TPP policies will provide very limited coverage for damage caused by uninsured third parties, but unless this other person is indeed uninsured (which is not clear from the OP) this does not apply.

  • Caped Baldy on 04/07/2022 - 08:10
    +9

    Go to police. It's illegal to not pass on details.

  • SF3 on 04/07/2022 - 08:21
    +1

    the guy he didn't cooperate nor share his insurance/ ID details.

    Probably something dodgy about him to not want to.

    • AustriaBargain on 04/07/2022 - 08:35
      +2

      Possibly he didn't want to pay for repairs to the bike or take a hit to his insurance.

  • bobbified on 04/07/2022 - 09:20
    +4

    Get their details from the police and make a claim to your insurer with those details. Include the video you have of the incident. Let your insurer deal with it - that's what you pay them for!

    • JimmyF on 04/07/2022 - 10:55
      -3

      Reading is hard….. I know

      Because of my third part-only insurance, my insurance won't chase the man even if I had his rego

      OP only has 3rd party, so isn't part of their job.

      • bobbified on 04/07/2022 - 11:27
        +3

        OP only has 3rd party, so isn't part of their job

        Most third party property policies will provide some cover (up to a few thousand) if the party at-fault is uninsured.

        If the other party isn't forthcoming with info, there's a good chance that they don't have insurance at all. So a claim can be lodged. (If it turns out that they do have insurance, then the insurer will let you know that they won't handle the claim).

        Logical?

        • JimmyF on 04/07/2022 - 12:31
          -1

          Most third party property policies will provide some cover (up to a few thousand) if the party at-fault is uninsured.

          Logical?

          OP has said their insurance doesn't do that. Most 3rd parties don't cover what you are saying.

          • bobbified on 04/07/2022 - 13:23
            +1

            @JimmyF:

            OP has said their insurance doesn't do that.

            OP said that his insurer "won't chase the man even if I had his rego hence I went ahead and made a formal complaint to the local police station".

            The policies are clear on that the insured has to supply the at-fault party's contact details (not just the rego).

            Most 3rd parties don't cover what you are saying.

            They do. Have a look around at the third party property damage policies. It's been an inclusion on most of those policies for a number of years now, except if you go through the cheap budget insurers. Even Youi has it, but Bingle doesn't.

            • JimmyF on 04/07/2022 - 14:01
              -2

              @bobbified:

              The policies are clear on that the insured has to supply the at-fault party's contact details (not just the rego).

              and even with these details you can't force someone to open a claim against their insurance or pay the excess to make the claim active. Which is why you have full comp, they deal with that side of things when the other party doesn't want to play.

              They do. Have a look around at the third party property damage policies.

              Keywords of the policy found on page 13 of the PDS are…."uninsured third party motorised vehicle"

              As the OP seems to think they have insurance, so the OP 3rd party policy isn't interested in chasing it up.

              • bobbified on 04/07/2022 - 14:19

                @JimmyF: I'm not sure why you're still arguing. I've provided you clear information about what some of these policies cover. I used to be a former claims assessor at one of the major insurers and dealt with this kind of thing day in, day out.

                • JimmyF on 04/07/2022 - 14:39
                  -2

                  @bobbified:

                  I've provided you clear information

                  Yeah clear as mud by leaving out key words like only covered if the other party is uninsured…. The OP thinks they have insurance. So in this case won't be covered.

                  I used to be a former claims assessor at one of the major insurers and dealt with this kind of thing day in, day out.

                  So you used to do all the chasing around for 3rd party insurance clients to see if the other party had insurance or not?

                  No one is saying they won't do it for fully comp clients, but 3rd party clients isn't the norm in most cases, as per what the OP said, they are not interested.

                  • bobbified on 04/07/2022 - 15:56

                    @JimmyF:

                    So you used to do all the chasing around for 3rd party insurance clients to see if the other party had insurance or not?

                    Yes - determining liability (road rules AND the company's was part of the job!

                    • JimmyF on 04/07/2022 - 16:30

                      @bobbified:

                      Yes - determining liability (road rules AND the company's was part of the job!

                      So not the front line…. You had been after the 'customer' ticked all the boxes, jumped through all the hoops to get a claim to work out liability etc aka reject it, as it is not as simple as you say with a 3rd party policy. Most will fob you away when you try to lodge a claim for damage to your own vehicle. Don't believe me then look at the endless posts here for the topic of someone hit me and I only have 3rd party. HELP.

  • Bignudge on 04/07/2022 - 10:07

    Should of just called the cops then and there

    • Caped Baldy on 04/07/2022 - 10:37

      Police would take two hours to arrive…

      • pharkurnell on 04/07/2022 - 11:06
        +2

        Tell em he was speeding…

    • MS Paint on 04/07/2022 - 12:25

      Police will not turn up unless their is an injury or an obstruction to traffic.

  • JimmyF on 04/07/2022 - 10:54

    my last conversation with the police handling with my case, told me she will go to the person home(in near future) whom the car belongs, ask for his insurer details or discuss if he wants to have my bike fixed and pay himself just to save the excess and future increment of his insurance and update me.

    Even if you HAVE their policy details, you can't do anything with them. Only the policy owner can raise a claim against their policy, and even once one is raised the policy owner has to pay their excess before anything will happen.

    The fact they are ignoring you, would mean they have no interest in doing any of the above, assuming they even have insurance.

    here wasn't much damage (minor scratches, broken clutch lever

    So as you only have 3rd party insurance, you need to go via the courts to get money out of them.

    Honestly is it worth the hassle and your time for <$500?

  • tik tok on 04/07/2022 - 19:32

    comprehensive insurance was about $1200 annual

    Far out! I have lived in some very bad areas and still didn't have to pay that much for a car!

    • brendanm on 04/07/2022 - 21:07
      +1

      still didn't have to pay that much for a car

      That's because your car isn't a motorbike.

      • tik tok on 04/07/2022 - 21:50

        That's because your car isn't a motorbike.

        Doesn't seem like you have quite the handle on how insurance quotes work

        • brendanm on 04/07/2022 - 22:41
          +1

          Not sure if you are being serious?

        • [Deactivated] on 05/07/2022 - 09:45
          +1

          motorbike more dangerous = higher insurance costs

          car safer = lower insurance costs

          motorbikes are more likely to get severely damaged, given that a car is a lot bigger and heavier, whereas a car might be able to drive away. more likely to crash one in the wet, more likely to get hit by someone who didn't see you etc.

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