If you have third party insurance then we will need to get the other driver's insurers to inspect your bike if the damage is serious. They will arrange for their engineer to come and look at it – this will take a few weeks and we have no control over how quickly they move. In the meantime, it is important you keep the bike in a place where it is being stored free of charge – insurers will not generally pay storage fees.
Their engineer will prepare a report, either writing the bike off if it is uneconomic or unsafe to repair or giving a repair estimate. If the bike is written off they will put forward a valuation. You are only entitled to the pre-accident value – not what you paid for it.
If the damage is minor, then you may obtain your own repair estimate and we will forward this toinsurers who may agree the repair cost.
We would advise you not to proceed with repairs until these are agreed by the insurers.
Often insurers will make a 'without prejudice' payment to you for the bike at the start of the claim while they are still looking into liability - but if you are ultimately found to be at fault, they are entitled to claim this back from you.
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