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#11
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Cyclist nuts BMW and causes £6000 of damage
Simon Mason wrote:
On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. |
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#12
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Cyclist nuts BMW and causes £6000 of damage
On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote:
Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? |
#13
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Cyclist nuts BMW and causes £6000 of damage
On 31/03/2020 20:22, Kelly wrote:
JNugent wrote: On 31/03/2020 19:23, Kelly wrote: JNugent wrote: On 31/03/2020 17:52, Simon Mason wrote: Ouch all round. QUOTE: A cyclist riding down the wrong side of a busy Swansea road hit an oncoming car causing "thousands of pounds" worth of damage. The incident, which happened on Woodfield Street in Morriston, saw the cyclist hit the BMW car, which was pulling out of a junction, and land on its bonnet. Jamie Jones, from Clydach, had only got the BMW M4 the month before the incident took place on Saturday, March 21, and said that the damage caused is "in the region of A?6,000". Mr Jones' partner was driving the car when the collision occurred. The 47-year-old said: "It was my fiancA?e and step-daughter in the car at the time and they were just calling into Morriston for a few things before the lockdown. "It did give my fiancA?e a bit of a shock. She got really upset with it all and I was absolutely fuming. "His head hit the windscreen and she thought he was going to come through the windscreen. "The mark is still there on the car. "The car has only done 1,100 miles and it was A?73,000 new. "He's damaged the front bumper and windscreen. He's crushed the bonnet which is made of lightweight panels and a new one is A?2,700." Footage captured by a passenger in another car shows a handful of cyclists travelling along Woodfield Street on the wrong side of the road. The BMW then pulls out onto Woodfield Street from the junction at Clase Road before stopping just before the cyclist hits the bonnet. Mr Jones, who owns a car body repair business (How lucky is that? - SM), said that he "dreads to think" what could have happened if an elderly couple had been coming around the corner instead. He added: "Why don't they get out onto a proper track instead of coming down the road like that? "I dread to think what could have happened if an elderly couple were coming around the corner." A PCSO was en route to another incident when he was approached by the driver of the blue BMW. The cyclist had already left the scene. As the PCSO was already committed to an incident the driver was advised to officially report the collision at the police station which was just a short walk from where the incident occurred or by calling 101. https://www.walesonline.co.uk/news/w...-down-18013793 "The cyclist had already left the scene." Shouldn't drivers take out a protected no claims option on their motor insurance to protect themselves from this happening? Then just let their insurance company deal with it. I dare say that he has something like that, but you are coming close there to saying that it's the driver's fault that a cyclist came along the wrong side of the road and damaged his car? I was just saying that a driver should do all they can to minimise their expenses for damage done to their property, even allowing for damage being done through no fault of their own. I mean for their own peace of mind. That's fair enough - but remember: insurance costs money and it costs more if you make claims. The idea is not to (have to) make claims. When it's someone else's fault, the idea is that *they* do the paying. In this instance it certainly looks like the cyclist was undoubtedly at fault. But even if your insurance company can't get any compensation from the cyclist, you are still covered and your no claims still intact. It is not likely to happen much, if ever again, how often do you as a driver collide with a cyclist? A A?6,000+ claim on insurance will be reflected in the following year's premium. I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. You only have to consider the issue for a moment to see the downsides. |
#14
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Cyclist nuts BMW and causes £6000 of damage
On 31/03/2020 20:53, Simon Mason wrote:
On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about £30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ UTTER RUBBISH. The MIB covers injuries, not damage to vehicles. |
#15
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Cyclist nuts BMW and causes £6000 of damage
On 01/04/2020 00:47, Mike Collins wrote:
On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote: Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? Unusually, you are on exactly the right track. The Motor Insurers' Bureau is not about repairing damaged vehicles. it is about paying (some sort of) compensation to people who have been bodily injured. And that's all it should be about. |
#16
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Cyclist nuts BMW and causes £6000 of damage
On Wednesday, 1 April 2020 01:00:33 UTC+1, JNugent wrote:
On 01/04/2020 00:47, Mike Collins wrote: On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote: Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? Unusually, you are on exactly the right track. The Motor Insurers' Bureau is not about repairing damaged vehicles. it is about paying (some sort of) compensation to people who have been bodily injured. And that's all it should be about. I am a CTC member and, like the vast majority of adult cyclists, have 3rd party liability insurance as part of my home insurance. There are far more uninsured motorists than cyclists. |
#17
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Cyclist nuts BMW and causes £6000 of damage
On 01/04/2020 01:22, Mike Collins wrote:
On Wednesday, 1 April 2020 01:00:33 UTC+1, JNugent wrote: On 01/04/2020 00:47, Mike Collins wrote: On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote: Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? Unusually, you are on exactly the right track. The Motor Insurers' Bureau is not about repairing damaged vehicles. it is about paying (some sort of) compensation to people who have been bodily injured. And that's all it should be about. I am a CTC member and, like the vast majority of adult cyclists, have 3rd party liability insurance as part of my home insurance. There are far more uninsured motorists than cyclists. So you say, completely without any supporting evidence. But yet... so what? |
#18
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Cyclist nuts BMW and causes £6000 of damage
On Wednesday, 1 April 2020 01:23:53 UTC+1, JNugent wrote:
On 01/04/2020 01:22, Mike Collins wrote: On Wednesday, 1 April 2020 01:00:33 UTC+1, JNugent wrote: On 01/04/2020 00:47, Mike Collins wrote: On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote: Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? Unusually, you are on exactly the right track. The Motor Insurers' Bureau is not about repairing damaged vehicles. it is about paying (some sort of) compensation to people who have been bodily injured. And that's all it should be about. I am a CTC member and, like the vast majority of adult cyclists, have 3rd party liability insurance as part of my home insurance. There are far more uninsured motorists than cyclists. So you say, completely without any supporting evidence. But yet... so what? Are you claiming there are more uninsured cyclists than motorists? If so where is your evidence. |
#19
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Cyclist nuts BMW and causes £6000 of damage
On 01/04/2020 01:52, Mike Collins wrote:
On Wednesday, 1 April 2020 01:23:53 UTC+1, JNugent wrote: On 01/04/2020 01:22, Mike Collins wrote: On Wednesday, 1 April 2020 01:00:33 UTC+1, JNugent wrote: On 01/04/2020 00:47, Mike Collins wrote: On Tuesday, 31 March 2020 22:44:09 UTC+1, Kelly wrote: Simon Mason wrote: On Tuesday, March 31, 2020 at 8:22:31 PM UTC+1, Kelly wrote: I see, so it's going to cost the driver even though their no claims discount remains intact. Not good news then. Whenever a driver gets their car damaged by an uninsured motorist, they can get compensation via the MIB. Uninsured drivers add about A?30 to the cost of my car insurance due to a fee payable to the MIB. https://www.mib.org.uk/making-a-clai...nsured-driver/ That has got to be a good scheme. The web site says the contribution taken from your car insurance premium also covers you for 'untraced' or hit and run circumstances. Very reassuring, but it's not just rogue cyclists but also rogue drivers that you have to pay extra for protection against. If a home owner decides not to buy insurance and an uninsured arsonist sets fire to it should other more responsible home owners have to foot the bill? Unusually, you are on exactly the right track. The Motor Insurers' Bureau is not about repairing damaged vehicles. it is about paying (some sort of) compensation to people who have been bodily injured. And that's all it should be about. I am a CTC member and, like the vast majority of adult cyclists, have 3rd party liability insurance as part of my home insurance. There are far more uninsured motorists than cyclists. So you say, completely without any supporting evidence. But yet... so what? Are you claiming there are more uninsured cyclists than [uninsured] motorists? If so where is your evidence. You are the one making (unsubstantiated) claims. Not I. NB: Questions are punctuated with a terminal question mark, thus: "?". You have not been charged for that remedial English tuition. |
#20
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Cyclist nuts BMW and causes £6000 of damage
On Wednesday, April 1, 2020 at 1:22:47 AM UTC+1, Mike Collins wrote:
I am a CTC member and, like the vast majority of adult cyclists, have 3rd party liability insurance as part of my home insurance. There are far more uninsured motorists than cyclists. Same here - they helped me get £5000 in compo after a car driver knocked me off injuring my shoulder. |
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