K
I'm making a personal injuries claim about a road accident but there's
a bit of a 'grey area' as far as damage to the bike is concerned.
Prior to the accident I had only been using the 'central' 7 gears of
my 21 speed bike because I hadn't got around to finding out what was
preventing the left-hand shifter from working properly. Also, the
chain would sometimes slip but only when going uphill.
The accident happened on level ground where neither of the above were
factors.
Would it count against me if any assessment made by my LBS showed up
these faults? (ie should I just emphasize the personal injuries).
Not having been in this situation before I was wondering if the
insurance company I'm claiming against might say, "Aha - those repairs
weren't caused by the accident therefore we'll throw out the whole
claim!". Or do they look at the whole thing and say "These parts are
reasonable, but these aren't".
Do insurance companies ask for an independent assessment? I've no idea
how these things work and I want to keep it simple. I'm wondering if
it might be easier just to say, "The bike's more or less ok but this
x-ray shows I got hurt!"
Krakajak
a bit of a 'grey area' as far as damage to the bike is concerned.
Prior to the accident I had only been using the 'central' 7 gears of
my 21 speed bike because I hadn't got around to finding out what was
preventing the left-hand shifter from working properly. Also, the
chain would sometimes slip but only when going uphill.
The accident happened on level ground where neither of the above were
factors.
Would it count against me if any assessment made by my LBS showed up
these faults? (ie should I just emphasize the personal injuries).
Not having been in this situation before I was wondering if the
insurance company I'm claiming against might say, "Aha - those repairs
weren't caused by the accident therefore we'll throw out the whole
claim!". Or do they look at the whole thing and say "These parts are
reasonable, but these aren't".
Do insurance companies ask for an independent assessment? I've no idea
how these things work and I want to keep it simple. I'm wondering if
it might be easier just to say, "The bike's more or less ok but this
x-ray shows I got hurt!"
Krakajak