Where do i stand??

[lucky]

Ok i will start at the begining.........
On the 28th of jan i was travelling on my bike in a 30 zone in slow moving traffic, my bike started to cut out, so i put a bit of throttle on and pulled my clutch in, as i let out my clutch, i moved to the left of the car in front of me,
my speed was prob no more than 15 mph.
Then 2 kids just ran in front of me from what felt like nowhere, i braked suddenly, came off the bike, got up and the kid was on the floor crying.
I first aided the kid, the car in front of me stopped, the couple from the car rang an ambulance, and stayed.
ambulance arrived and the police.
police took my details and the couples from the car in front of me.
The couple backed up my story, they'd noticed me coz i had my headlamp on in daylight.
Police didnt think it was my fault.
Today i got a letter from the kids solicitors, they're saying i was riding dangerously, and speeding???
This is my firsdt bike, 125cc,
I feel really let down here this kid is to blame surely?
i got in touch with a solicitor when the accident happened, they said i dont have a claim, coz the kid wont be insured.
so i was left to fend for myself, cost 200 quid to put bike back on road, plus new helmet 200 quid.
I really feel victimised,
Main problem i have is i didnt tell my insurers i had points on my license (i know im stupid), so where do i stand now?
and what will happen next??
sorry its long winded :o

[Jonnyfp]

Ask Loony bud he'll know.

[Pugwash]

in deep **** with the insurance company coz when they find out about the undeclared points they can null & void yer insurance cover there and then

deeper **** if they send the details of your lack of insurance to the coppers

as for the letter get yerself down to a citezens advice office

find a solicitor who offers the legal aid scheme u can pay for a 1 hour consultation and give him the gory details

the letter is standard practise even if the cops said yer ok the parents of the child can still make a civil claim against you

it'll probalby be one of them no win no fee leeches who is taking there case

oh and when yer insurance renewal comes up very very deep **** as insurance companies share info on a database so you'll be on there major ****list for a long time

so i trust it was worth saving a few quid on yer premium in the 1st place was woth it, coz guess wot your now liable for all costs taken against you if they win the case

[krammer]

if you can get your witnesses to back you up i can see this claim simply being thrown out before things get too avy mate. easy for me to say but don't panic, these blood sucking no win no fee parasites will always try it on even when they have no case........fuckin leeches :mad:

[TaxiDave]

Under normal circumstances you should go to a proper accident specialist solicitor. There is a fund that the Motor Insurers Bureau holds that allows you to make a claim against non-insured third parties such as hit and runs, even if they can't find the third party so I presume you could claim as the kids are younsters. But basically you are classed as not insured being as you lied to your insurer, so in effect shouldn't have been riding your bike and so you are up for costs plus an IN10 and about 6 more points. Sorry to depress you even further.

[Mad Dog]

First thing is,

I'd change me name from "Lucky"

As a driver on the road it is your responsibilty to carry out sufficient observation to recognise potential hazards.

It is also your responsibilty to be insured and driving a roadworthy vehicle.


I wrote a whole piece in here about the ins-and outs of liabilty and what might happen,

but,

having written several paragraphs I still hadn't expressed how I feel about people who lie to get insurance, and therefore feel no obligation to help you.

So I have deleted it,
could have been me or anyone I care for that an effectively un-insured twat like you runs into and kills.

This forum is for responsibe adults, fek off.

[defarter]

[Mad Dog]....Quote

This forum is for responsibe adults, fek off :eek: :eek: :eek:

:D

[lucky]

This forum is for responsibe adults, fek off.

Sorry didnt know you owned this forum.
So i didnt tell my insurance ia had points for speeding, I am now such a bad person??
I'll close the door on my way out.
bye

[lucky]

could have been me or anyone I care for that an effectively un-insured twat like you runs into and kills.
.
I didnt run into this kid.........................He run into me, of course i was looking out for potential hazards, the kid come straight across the road from the other side, i have witnesses to back me up, it could've happened to anyone.
Had this kid been a little bit more responsible for his own safety...........
I cant justify not telling the truth to my insurance, and i wont try, but i'm still not to blame for this kid getting hurt. :mad:

[TaxiDave]

Sorry didnt know you owned this forum.
So i didnt tell my insurance ia had points for speeding, I am now such a bad person??
I'll close the door on my way out.
bye


Mad Dogs point might be that if the shoe were on the other foot and someone who had lied to get cheap insurance, and in doing so in effect has no insurance, killed your son/daughter/friend/loved one, how would you feel?? :mad:

[Mad Dog]

My Mrs got knocked off her bike by in London by a car that hit her from behind as it sped thru red traffic lights she was stationary at.

police at the scene gave him a producer and let him go without even a breath test (11.30 at night)

she went to hospital and the bike cost a couple of thousand to fix

Subsequent investigations turns out it was a mini cab co. who wouldn't say who was driving.

police ran out of time on the investigation


I might have been a bit over the top about the "responsible adult" bit coz most of us on here like to kid we ain't, but I've always been fully insured and road legal.

You already have points on yer license for some misdemeanor, you then hid that from your insurance company in order to get it cheap, and now you stand to pay the price by getting the book thrown at you.

If one of my kids or my Mrs was killed by such a person i would rip their head off and **** down the hole.


The Mini Cab office mysteriously burnt down some time later.

[lucky]

Obviously very upset.........
but if i was insured and killed someone would that make me any less of a tw*t
All i can say is i've def learnt a very big lesson from this,
I certainly wont be doing that again.
In fact if i get disqualified i shall use that time to save up enough money to afford insurance

[lucky]

If one of my kids or my Mrs was killed by such a person i would rip their head off and **** down the hole.


.

If it was any one of my 4 kids, i would rip off their heads if they were insured or not.
Fact is there was nothing wrong with my riding, as backed up by the police and 3 different witnesses.
Really sorry about your mrs and all i can say is sorry to have offended you.

[kitkatman]

as you say, your've got witnesses and the big question should is where were the parents!, but phone the insurance and creep and pray there in a happy mood, good luck

[Jonnyfp]

I got 6 points for speeding in 97 6 points does not affect your premium 9 points do but not by too much....i do however feel insurance companies are robbing scum and sell a product that might not even be used. and this sometimes forces younger riders/drivers to fib a bit.

Lucky bud you learnt a lesson here.

i can see MD's point tho.


Jonnyfp 96 quid for third party fire an theft this year.. :D

[Mad Dog]

I can appreciate that you are probably young, and a bit gung ho.

It is very distressing to be in any kind of an accident from any viewpoint.

You are a twat if you have no insurance, or if your dangerous driving causes the accident even if you are insured.

I have been riding for 30 years and left most of my youthful foolishness behind,
in my teens I lost 10 mates in bike accidents, and, over the years there has been a continual attrition of people I have known for various reasons.

I bet there ain't a person on here who wouldn't be more than a tad annoyed if an uninsured driver damaged their property or caused physical harm.

The fact that you have entered into a dialogue about it does not lessen the severity of the facts.

I bet you feel like **** right now, and I make no appologies for saying I have no sympathy.

[lucky]

I got 6 points for speeding in 97 6 points does not affect your premium 9 points do but not by too much....i do however feel insurance companies are robbing scum and sell a product that might not even be used. and this sometimes forces younger riders/drivers to fib a bit.

Lucky bud you learnt a lesson here.

i can see MD's point tho.


Jonnyfp 96 quid for third party fire an theft this year.. :D
unfortunately i have 17 points :eek:
before you all go banging on no im not disqualified, its a bloody mystery to me also.
im not a young driver im 28 n have had a full car license for 10 yrs.
all my points are speeding i got 6 for doing 34 in a 30 zone once and i had a bit of a row with the copper coz it wasnt in a built up area, n i thought he was out of order.
however as i understand it 7 points are expired and need to stay printed on my license for another 12 months :confused:

[kitkatman]

well thats got to be a record..! 17 points,,, f@uck me, you must have mine, i ain't got any :D

[Jonnyfp]

I can appreciate that you are probably young, and a bit gung ho.

It is very distressing to be in any kind of an accident from any viewpoint.

You are a twat if you have no insurance, or if your dangerous driving causes the accident even if you are insured.

I have been riding for 30 years and left most of my youthful foolishness behind,
in my teens I lost 10 mates in bike accidents, and, over the years there has been a continual attrition of people I have known for various reasons.

I bet there ain't a person on here who wouldn't be more than a tad annoyed if an uninsured driver damaged their property or caused physical harm.

The fact that you have entered into a dialogue about it does not lessen the severity of the facts.

I bet you feel like **** right now, and I make no appologies for saying I have no sympathy.



This is all a fair and right comment and altho i have never done this...how many folks on here have ridden with no insurance once or twice in there biking history?
I have ridden a whole 5 days without an MOT when i was younger this is the same thing...but mot's usedto be an easy mark to miss, not like tax.


Incredible is'nt it? MOT in my eyes is a more important (safety wise) aspect to take into consideration than paying for your spot on the road. but tax was always the one you'd get done for.

[technoboiler]

DEAR ME.......... 28 years old and already 17 points,,,,,,i do think maybe an advanced riders/drivers course might be a good idea,,,

i have been driving 20 years and riding 4 years and have had a total of 3 points on my licence,,, and believe it or not the plod did a number on me and they were for someone going into the fekin back of me!

insurance companies do screw us,,,, but what is the alternative,,,,?,,,void insurance and consequently the ppl who pay for proper cover end up with higher premiums every year.

it sucks but its life....
i do think your best bet is to get a letter from the witnesses stating it was not your fault and try to nip the law suit in the bud b4 it goes any further

[Mad Dog]

Let me get this right,

You have 4 kids for whom you must represent a guiding light in their lives.

Points are marked on a license for 3 years but remain on there for 4 years

So in 4 years, knowing you risk disqualification, you have acquired a total of 17

This isn't just a case of 3 points for accidently doing 85 in a 70mph, this is wreckless driving.

I would wager that you concealed the facts from the insurance company
in the full knowledge that it would invalidate the policy if they found out, but you were prepared to take that risk.

I was wrong

You ain't a twat

you are a complete feckwit.

[kitkatman]

:eek: :eek: :eek: :eek:

[Jim]

Lucky you ain't.

You've definately been unlucky, but MD is quite right.

You ride on the road you ride insured.

Cos if something goes wrong then your victim deserves cover/compensation.

You might be the best rider in the world but if you make a cock up then its down to you.

No matter how good you think you are if this had been your fault and you'd crippled a kid how could you justify what happened.

I've never F*****D up but maybe tommorrow I will.

I'l still make sure I'm insured.

You ride a bike then u become one of us. If you don't like our opinion or outlook then don't ride.

[kitkatman]

now thats a fair comment,

[Pugwash]

17 points kin hell no wonder u never told yer insurance company

but.............................

cause technically u were insured u rode yer bike

your fault or not u hit a child

if you hadn't got insurance by deception you wouldn't have been on the road and would not now be defending an unassailable truth

that u r a complete fukwit for doing so :(

[lucky]

Ok i do agree with a lot of the opinions on here,
but how i aquired my points isnt really an issue.............
how many of you can honestly say you've never broken the speed limit??
difference is i got caught........
As for victim,well this kid is 13 y.o, surely he should be responsible for his own safety??
I personally dont think he deserves any form of compensation, but then i would say that.
If somebody assaults you and breaks there hand in the proccess, do they deserve compensation??
I think not, Same principle no?

[lucky]

You ride a bike then u become one of us. If you don't like our opinion or outlook then don't ride.
Just because i dont agree with somebodies opinion doesnt give them or you the right to tell me i shouldnt ride.
on another note, not trying to insult you here, but your signature is Baffles officer? what are they?
Do you have baffles? and if so can riding with/without them deem your vehicle un roadworthy or insurance invalid?

[lucky]

I would wager that you concealed the facts from the insurance company
in the full knowledge that it would invalidate the policy if they found out, but you were prepared to take that risk.

I was wrong

You ain't a twat

you are a complete feckwit.

I understand your reasoning here, but to be quite honest i never really gave a toss about being disqualified, until i got on a bike, main reason being my wife is the family driver anyway.
As for your wager, well your wrong.
I honestly didnt know it could/would invalidate your insurance until i had received the statement of facts.
I paid in full over the phone,
i was ill advised by a friend on the matter

[Yoda]

I understand your reasoning here, but to be quite honest i never really gave a toss about being disqualified, until i got on a bike, main reason being my wife is the family driver anyway.
As for your wager, well your wrong.
I honestly didnt know it could/would invalidate your insurance until i had received the statement of facts.
I paid in full over the phone,
i was ill advised by a friend on the matter
from what i see here (and i aint going to get into the argument of whether i agree with what you have done or not) although from reading all your posts you driving/riding manner does leave a lot to be desiredis that the facts are going to come out regardless of what you want


and as regards the insurance they ask you on the phone whether the details are correct and your insurance will be invalid if not. so again ther is no excuse there and as the old adage goes 'ignorance of the law is no excuse'

now that a claim is against you you have a few options
1, either pay up for the claim out of your own pocket
2, contact your insurance company and see if they will take it on (and i can pretty much say with certainty that your insurance will be invalid and the company will not pay a penny).
3, fight the claim with your own solicitor (which could prove rather costly)

i personally would see what the other party are claiming for (what sort of injuries did the child sustain?) it may be worth 'buying them off' if the injuries are only minor

Yoda

Ohh and dont do it again (i know its a hard lesson but worth learning from..you can never have too much insurance)..we have all been there ..not enough money for insurance let alone tax mot etc..... but at the end of the day if you die in an accident (especially one that isnt your fault) who is going to financially help your family? (and trust me on this one i have been there) and if that doesnt make you think then the following two statments might
Who are your kids going to call Daddy?
and how do you think your wife and children will feel when they find out that Daddy is dead and never coming home again?

[lucky]

I absolutely agree with yoda, i cocked up big time.
but i will fight this claim all the way coz i didnt cause the accident.

[lucky]

Let me get this right,

You have 4 kids for whom you must represent a guiding light in their lives.

Points are marked on a license for 3 years but remain on there for 4 years

So in 4 years, knowing you risk disqualification, you have acquired a total of 17

This isn't just a case of 3 points for accidently doing 85 in a 70mph, this is wreckless driving.

I would wager that you concealed the facts from the insurance company
in the full knowledge that it would invalidate the policy if they found out, but you were prepared to take that risk.

I was wrong

You ain't a twat

you are a complete feckwit.

Well all i can say to that is my kids wont know about me being uninsured,
do your kids know that you burnt down a minicab office??
You call me irresponsible..............well i'm pretty sure had a kid or anybody been in the minicab office at the time of the fire(they are 24 hrs 7 days a week)and been injured or worse killed, that would have been without a doubt the most irresponsible thing that could've possibly happened?
Also the fact that the fire brigade would've been there was possibly endangering there lives......not to mention how much taxpayers money it would've cost to put the fire out.
Then local business insurances would've been put up, all because some QUOTE "complete fuckwit" decided to seek revenge.
Irresponsible indeed..................Ok kettle :rolleyes:

[Yoda]

I absolutely agree with yoda, i cocked up big time.
but i will fight this claim all the way coz i didnt cause the accident.

its not the fact you didnt casue they accident they fact is the other party only have to prove 'on the balance of probabilities (sort of 50%)' you were negligent whether by act or omission, now this is a lot easier to prove than i think you realise
(also the question may arise is that why you are not fighting this through your insurers, which will add further to your problems)

what were the injuries they are claiming for?????

[lucky]

A broken leg, and from what i can gather medical costs although he didnt go private so im not sure what thats all about

[Yoda]

A broken leg, and from what i can gather medical costs although he didnt go private so im not sure what thats all about
would reckon they are looking for about 3 - 5k
it will cost you this much (at least) to fight it especially as you have to pay for medical reports etc...might be worth waiting and see what amount they are looking for and take it from there (may be a lot cheaper in the long run) you need to sure you will win the case because the last thing you need is your costs, their costs, and a damages claim, that could financially cripple most people.
see a solicitor and get his advice first (maybe thye best money you could spend first) some offer free1/2 hours advice

Yoda

[Freak]

You should get away with this
Just keep on blaming everyone else and passing the buck
You seem to be a natural at it

[TaxiDave]

If I was you Lucky I'd crawl into a corner and hide. You misled your insurance company so you aren't insured. When they were taking your details over the phone, there's no way in a million years that they wouldn't have asked you if you had any motoring convictions, so you would have had to have lied to them which is a criminal offence.
If you've got 17 points on your license and 7 of them are nt valid, you've still got 10, so even if you get a 3 point camera flash you'll be looking at a ban pretty soon.
However you fight the parents claim in whatever court, their solicitor is always going to be able to counter with you misleading your insurance broker.

[lucky]

You should get away with this
Just keep on blaming everyone else and passing the buck
You seem to be a natural at it
Ha nice one i aint passing no bucks, but its a bit hypocritical to call me irresponsible.
I have 3 seperate witnesses who all agree that i did nothing wrong.
I'm not going to admit it was my fault when clearly it wasnt.
I will however admit it was wrong and stupid to have deceived my insurance.

[TaxiDave]

I have 3 seperate witnesses who all agree that i did nothing wrong.



Apart from getting on a bike that in reality wasn't correctly insured, thats all you did wrong. Nothing to worry about then.

If the kid had broke his leg and then in falling had cracked his head open on the gutter and died, and then your insurance had been void, you may then have been looking at a manslaughter charge. But as long as you've got witnesses to say you did nothing wrong you've got nothing to worry about have you??

[Mad Dog]

Regardless of who is to blame for the accident - none of us here were witness and therfore can make no comment - in the eyes of the law you shouldn't have been there coz u had no insurance.

When you take out insurance, whether it is over the phone or directly filling out a form, they clearly ask for details of any accidents or driving offences marked as points on your license. They then clearly state on the phone and on the form that supplying incorrect details or failure to notify them of any change in your circumstances will invalidate the insurance.

The effects of hiding such issues have been publicised so many times, that I cannot believe anyone nowadays enters into a Policy without being aware of this.

Furthermore, as far as I'm aware, every Broker/Agent/Ins company asks for "sight" of your Driving License before issuing the main Certificate of cover.
This happens on a New policy and if your broker changes you to a different company (due to better quote at renewal). The only time they don't ask is when you continue an existing policy on renewal, but they do ask if your circumstances have changed.

I would therefore suggest that you have applied for insurance over the phone, knowingly supplied false information and paid for it by credit/debit card and may or may not be in receipt of a Temporary Cover note.
This must have come as some relief that you "got away with it".
But,
I find it incredible if they did not ask to see your Driving License, or were you supposed to supply it and haven't done so yet and decided to go for a ride.
Or, worse still, did you supply a doctored photocopy.

Initially I took you for a gormless teenager, we all bemoan their actions, but you have stated you are a 28 year old with a wife and 4 children.

The picture gained is of someone immature who tears around in a car, pays no heed to "family planning". Just does what ever they want by whatever means they can. The latest idea for escape into boyhood is riding a bike.

[lucky]

Furthermore, as far as I'm aware, every Broker/Agent/Ins company asks for "sight" of your Driving License before issuing the main Certificate of cover.
This happens on a New policy and if your broker changes you to a different company (due to better quote at renewal). The only time they don't ask is when you continue an existing policy on renewal, but they do ask if your circumstances have changed.

I would therefore suggest that you have applied for insurance over the phone, knowingly supplied false information and paid for it by credit/debit card and may or may not be in receipt of a Temporary Cover note.
This must have come as some relief that you "got away with it".
But,
I find it incredible if they did not ask to see your Driving License, or were you supposed to supply it and haven't done so yet and decided to go for a ride.
Or, worse still, did you supply a doctored photocopy.

Initially I took you for a gormless teenager, we all bemoan their actions, but you have stated you are a 28 year old with a wife and 4 children.

The picture gained is of someone immature who tears around in a car, pays no heed to "family planning". Just does what ever they want by whatever means they can. The latest idea for escape into boyhood is riding a bike.
Nope have full certificate of insurance havent doctored anything, wasnt asked for license
my thoughts were that i would be asked for my license and then decide from there really.
Admittedly 3 yrs ago i was immature and selfish and so on.....
and some might say still am.
but i'm learning..............the hard way

[Mad Dog]

Indeed.

And, have you notified you insurance company for the car that you have gained motoring convictions.
Because failure to do so will have the same effect.

[Yoda]

my bike started to cut out, so i put a bit of throttle on and pulled my clutch in, as i let out my clutch, i moved to the left of the car in front of me,
my speed was prob no more than 15 mph.

Let us break this down a bit from an objective point of view rather than a subjective one
The facts
You were in control of the vehicle
You were the one that did the action which caused the said vehicle to act the way it did
The speed is irrelevant

The other party WILL claim that the negligence occurred when you failed to adequately control the vehicle (irrelevant of the fact that the bike had cut out) as it was ultimately your actions that caused the bike to manoeuvre the way it did
and this is what will jump up and bite you in the ass. and you WILL lose on this point as there is no-one else that this action can be contributed to.



Then 2 kids just ran in front of me from what felt like nowhere, i braked suddenly, came off the bike, got up and the kid was on the floor crying.
You MAY be able to plead mitigating circumstances which will only (if successful) reduce the amount of damages awarded against you but then it is up to you to prove that (and hence greater costs overall)


The couple backed up my story, they'd noticed me coz i had my headlamp on in daylight..
they may have backed up you story and it is not the story that would be in question, infact it is entirly irrelevant, it will boil down to one point and one point only
Were you negligent in the way you handled the vehicle
and from your description..Yes you were, because when you let the clutch out the bike shot/lurched forward and in a different direction..forget the other points about this case this is what will cost you the claim


Police didnt think it was my fault..
Irrelevant you do not need a police conviction or decision to prove a civil case (also the police will not issue a statement to the effect that they think it is not your fault they will merely take no further action)

Today i got a letter from the kids solicitors, they're saying i was riding dangerously, and speeding???
It is a case of Negligence which must be proved and they (probably) would constitute the riding dangerously as such, although I guess they have worded it differently



I feel really let down here this kid is to blame surely?
It’s probably not what you want to hear but I feel you haw a snowballs chance in hell of winning this one
Also if the bike had not reacted the way it did would the child still have been injured. I guess not, therefore any injuries resulted because of YOUR actions on the bike

i got in touch with a solicitor when the accident happened, they said i dont have a claim, coz the kid wont be insured.
True, and even if you could claim he, does not have the means to pay a damages claim anyway

I really feel victimised,
Sorry to state the obvious but results are a cause of your actions or ommisions (had you been properly insured you would be fine, self pity isn't going to help here)

Main problem i have is i didnt tell my insurers i had points on my license (i know im stupid), so where do i stand now?
Uninsured and not a paddle in sight

and what will happen next??
that depends on you and i guess it is an act of 'Damage Limitation' rather than one of 'fighting it' as losing will hurt and cost more than you think

HTH
Yoda

[m@rk]

i cant condone not disclosing points cos insurance companies no it all but as the guys still payin for a policy he should still no get ****canned for it ,weve all done it wether it be no insurance ,no tax,faulty lights..etc.
what about the twats we all know that drive/ride with nothing no licence,tax,mot ,ins,...squat
do they get caught and hammered...do they hell..


just put it down to eperience m8 and screw what anyone else says..

laterzz

[Freak]

i cant condone not disclosing points cos insurance companies no it all but as the guys still payin for a policy he should still no get ****canned for it ,weve all done it wether it be no insurance ,no tax,faulty lights..etc.
what about the twats we all know that drive/ride with nothing no licence,tax,mot ,ins,...squat
do they get caught and hammered...do they hell..


just put it down to eperience m8 and screw what anyone else says..

laterzz


:mad: :mad: STUNNED :mad: :mad:

[dink]

Just a small curious question having read all thats been said....have you been and taken your documents to the police station yet. I am assuming being involved in an accident and that the police attended have to asked for these(they do here for any accident they are called out to). If they haven't then you are for want of a better word :rolleyes: lucky that you are not up against your local magistrates court with a criminal charge or riding whilst not insured. I have to agree with what yoda put ^^^ as he said you lunged to the left of the car...had you been in full control of the vehicle this would not have happened and at which time am pretty much 100% sure you were concentrating on getting the bike started again from the stall than you were doing those (tedious but necessary) lifesaver and observation checks before you set off again. Likewise you didn't see the said 13 year old leap out at you, am pretty sure he wasn't expecting you to stall and lunge towards the pavement (which is at the left side of the cars side you went towards) so I guess that kid should be psychic too.

You broke the law the minute you sat on your bike as your insurance regardless of what you have paid for it is worth as much as the paper its written on, FECK ALL all because you lied when getting it, sad but true fact. You then proceeded to post on a forum of bikers with a multitude of perspectives, but did not expect to be told you were in the wrong :eek: DOH springs to mind. Then there is the issue of the points you have now fairy snuff 7 may be due to leave your licence but have a whole 17 points which does not strike me as a responsible rider or driver (and am sure if the kids gets you in a court room that will DEFINATELY be mentioned). Even if they are all for speeding surely having kids and stating you need your licence you would have learnt that lesson after the first maybes the 2nd time you got points on your licence that you're on a one way ticket to having NO LICENCE if you carried on speeding, for which I give you no sympathy at all as you obviously think your above the law and thinking you would have got away with it forever, unfortunately accidents happen which is why it is always best to be insured. I think therefore never after you got points were you thinking once of the effect it would have on your kids or wife until now when sadly ITS TOO LATE (had you been thinking of your family you would have stopped speeding and getting points simple as).

All you can really do is sit down with a solicitor or CAB like ppl have said and hope that there is someway you can limit what expense you will have to pay out. And hope that you keep your licence (though personally I don't think you deserve it, but thats just my opinion) and make sure you get insurance, of which if you thought it was pricey before this accident JUST WAIT till you try to do a legit insurance certificate with all your points, riding with no insurance (instant loss of licence in north yorkshire especially after an accident, so you should be grateful you don't live here) and an injured party from your riding, OUCH its gonna hurt your wallet a hell of a lot more than it would had you done it b4.

Would also recommend you seriously need advanced or further rider training, which would also serve to reduce your insurance down if and when you can legally ride again and if indeed you choose to.

Dink

Goes back to lurking amazed at what some people will try to get out of being responsible for, especially their own actions

[TaxiDave]

i cant condone not disclosing points cos insurance companies no it all but as the guys still payin for a policy he should still no get ****canned for it ,weve all done it wether it be no insurance ,no tax,faulty lights..etc.
what about the twats we all know that drive/ride with nothing no licence,tax,mot ,ins,...squat
do they get caught and hammered...do they hell..


just put it down to eperience m8 and screw what anyone else says..

laterzz


So basically do as Mark says and ride with no tax/MOT/insurance/license and with faulty lights and if you get slagged off for it, or perish the thought, have an accident, just put it down to experience and screw what anyone says :mad:

[Mrs Reject]

PAT!!!!!Another lurker..........where have they all come from :eek: :eek:

[TaxiDave]

PAT!!!!!Another lurker..........where have they all come from :eek: :eek:


Get back in the cupboard Mrs R and be quiet!! :D

[dink]

PAT!!!!!Another lurker..........where have they all come from


I have been lurking since june last year and I have posted in the past at least a few times :eek: unfortunately I rarely get the chance to do anymore than read postings on here :( dues to having a 1 year old pudlet that likes to leave undecypherable messages on forums. Unfortunately for you lot his dad is actually not working 7 days this week and has finally got a weekend of so was feeling brave and posted. Does that make me a non lurker now :rolleyes:

:D

[TaxiDave]

I have been lurking since june last year and I have posted in the past at least a few times :eek: unfortunately I rarely get the chance to do anymore than read postings on here :( dues to having a 1 year old pudlet that likes to leave undecypherable messages on forums. Unfortunately for you lot his dad is actually not working 7 days this week and has finally got a weekend of so was feeling brave and posted. Does that make me a non lurker now

:D


Keep posting mate :D

[Shep]

Hi dink,
Thought you might be the kdink I know, but obviously not, cuz of the pudlet.
Welcome, anyway. :)

[technoboiler]

ELLO dinks darlink,,,,,,,,hows things me auld mucka,,,xxxxxx
nice to hear from you :)

[dink]

Hi dink,
Thought you might be the kdink I know, but obviously not, cuz of the pudlet.
Welcome, anyway. :)

If its the illusive dink bloke then no I am most definately not him :D have yet to meet this person as regardless of where I go on the bike or online it seems he is everywhere but nowhere, have yet to meet this chap but must be a top fella picking a formidable nick as mine..........

ELLO dinks darlink,,,,,,,,hows things me auld mucka,,,xxxxxx
nice to hear from you

Ello mrs am fantabulous fanks hows you xxxxxxxxxxxx

[Shep]

If its the illusive dink bloke then no I am most definately not him :D have yet to meet this person as regardless of where I go on the bike or online it seems he is everywhere but nowhere, have yet to meet this chap but must be a top fella picking a formidable nick as mine..........



Errm....no.....kdink is very female..... :p

[Fran]

Lucky,you asked where you stand.Can I suggest a bus stop and don't dodge yer fares!
You took a gamble & lost.You have no legal or moral footing to stand on.Like Yoda says damage limitation is all you can do now.

[krammer]

all insurance have to follow the rules of the f.s.a.this means when you take out a insurance policy they dont have to see you driving lic but you would have recieved a statement of fact or a proposal form which you would have signed and sent back which is then scanned and placed on a data base shared with the police and all insurnace companies if non disclosed convictions or accidents then your insurance is null and void the only time the insurnace company want to see your driving lic is in the event of a accident your then looking at a in10 driving/riding with no ins automatic 6points a poss dd40 dangerous driving because you have no insurnace and a ac20 any traffic points must be declared for 5yrs any dangerous driving or drink driving or bans must be declared for 11yrs if in doubt the insurance co only have to phone dvla any large claim or personal injury claim they will automatically phone dvla to confirm regards yvonne who works and has worked for a insurance co for many years who has also been a victim of a uninsured driver

[dink]

Errm....no.....kdink is very female..... :p

Strange that have just twigged I know of a shep from another forum and I believe he is very male :eek: small world huh

damn dinks popping up everywhere was unique once :rolleyes:

[bill?]

due to having a 1 year old pudlet that likes to leave undecypherable messages on forums. :rolleyes: :D
oh how I miss those words of wisdom. :D

what ho Dink, how you doing ?




what I'd like to know is how this pillock managed to get 17 points on his licsense without severe injuries.

[Bassman]

Hiya Dink.... Glad you are here... keep on posting mate.. nice to see some fresh views from time to time.... :D

[Creature]

oppppppppppppppsssssssssssssss

[Creature]

Lucky 0 the main reason people are against you (as you lied to your insurance compny) is that people who do irrisponsible things like that put up our insurance premiums. It also leads to tighter irrisponsible legislation for ua all.

I agree if you were a m8 of mine and I knew you lied to your insurance company I would have knocked you off.

As for your 17 points it seems that you havent learnt a lesson !!!!!! have you (after all you should have made sure you were above reproach). So you been caught for just being over a 30 MPH speed limit ( bet you feel you were picked on)... But..... there are plenty of places to go fast - plenty of motorways and if ya wanna break the law theres alweays a race track for nutters who want to ride that fast (at least its in a safe enviroment).

All my friends know my attitude to being legal - they are often amazed that I can keep myself & my vehicles legal. I would expect no less from any other road user.....

Personally I believe they will tho they will throw the book at you NOT BECAUSE SOMEONE RAN OUT IN FRONT OF YOU, but BECAUSE you are not responsible enough to make sure you tell the truth !!!!!!!!!!!!!!!!

That is the way the law works - you have just proven all them do-gooder twats right you cannot be trusted or respionsible enough to tell the truth. Personally I think you had better sell your bike/car and get ready for a heavy fine or maybe a prison sentence ( yep thats right !!!! ) because you wilfully lied to your insurance company they will say you were not insured (wasted ya beer tokens there) and the law will do you for NOT having any insurance (carries maximum of 12 months imprisonment ans 10.000 fine.) Also they can due you for fraud (yep you lied to the isurance company (insurance of a vehicle is a legal requirement)). and guess what that carries max 5 years imprisonment and 20.000 fine).....

But more importantly you may be required to take your driving tests again. Also I suspect that most insurance companies will either refuse to insure you or at bet only insure you for 1 month at a time ( at a grossly inflated price of coarse) .

So the outcome is you are ant to blame for the accident ----- but you will get done just to try and save you a few beer token !!!! WAS IT WORTH IT ???

Also you have left yourself wide open to prosicution by the very people who ran out in front of you !!! and whos gonna believe you in court !!!

[lucky]

Indeed.

And, have you notified you insurance company for the car that you have gained motoring convictions.
Because failure to do so will have the same effect.
Car got sold a long time ago.

[m@rk]

i cant condone not disclosing points cos insurance companies no it all but as the guys still payin for a policy he should still no get ****canned for it ,weve all done it wether it be no insurance ,no tax,faulty lights..etc.
what about the twats we all know that drive/ride with nothing no licence,tax,mot ,ins,...squat
do they get caught and hammered...do they hell..


just put it down to eperience m8 and screw what anyone else says..

laterzz
i think that i said it all wrong(again...lol)
what i mean is can anyone here actually say that they have never lied to get what they want......#
didnt think so...

[smeghead]

everythings been said already, however how would you feel if you had one of your kids on the back of the bike and got knocked off knowing your insurance would probably be invalid, and yes many times i have ridden without insurance,however if i had a bump whilst uninsured i would say tough **** i got caught, no disrespect to you but if it was my kid you hit over and i found out you were uninsured i would sue you till you had nothing left and then take that as well, another way of looking at it is a few life insurance policies i've had in the past have had exceptions in the small print excluding claims from motorcyle related death, now if i would have had a bad one whilst uninsured on my bike, the mrs and kids would have got feck all from the life policy

[lucky]

however if i had a bump whilst uninsured i would say tough **** i got caught,
Thats exactly what i am saying.
I didnt come and ask for pity, I came and told the tale and said what can i expect to happen next.
I have now gotten a much better idea of what will happen next......thanks.
Somehow we got caught up in a moral crusade, from people who call me irresponsible but are equally if not more irresponsible in their actions regarding other matters.

[dink]

Don't judge everyone by your standards :mad: and you did come asking for pity or you wouldn't still be here trying to convince yourself probably more than anyone else of the situation you have found yourself in :mad:

[lucky]

Dink i did take my documents to the police station.

Anyone that can honestly put their hand on heart and say i have never broken the speed limit, or any motoring law ever.
Then in the words of the good book "Let He Without Sin Cast The First Stone"

[lucky]

Don't judge everyone by your standards :mad: and you did come asking for pity or you wouldn't still be here trying to convince yourself probably more than anyone else of the situation you have found yourself in :mad:
Bollox, You know nothing of my standards or me.
I fail to see how pity would help, i suppose i just really wanted to know the worst case scenario really........I now know, and decisions have been made.

[dink]

Again don't judge everyone by your standard :mad: , honest answer to that is NO I have always ridden/driven with tax, mot and insurance.

I have no criminal record at 27 years old and to me thats something am proud of. I also have 4 years no claims on my bike insurance and coming up to 2 years on my car.

Call me boring, I don't care, I have kids and there a concern for me from the moment I get up on a morning to the moment I go to bed. I don't speed I like to know that where am going be it in car or on bike that I'll be there in one piece and return home the same back to my boys.

[lucky]

Well all i can say to that is if you really have never sped not even just a bit.
Then more power to you,
i wouldnt dream of calling you boring just sensible.
But i too have never had a criminal record. Although i expect very shortly i will
anyhow Bikes getting sold, i shall await a disqualification, fine etc.
Will hold my hands up and face the music.
When the disqualification period ends i shall start again with a fresh outlook and an honest insurance policy.

[Dougie]

Pity you didn't do that in the first place.You wouldn't be up to your ears in shyte and sinking fast.If you'd run into me,my family or my property I'd now be kicking seven shades out of you.

[Rock Ape]

Pity you didn't do that in the first place.You wouldn't be up to your ears in shyte and sinking fast.If you'd run into me,my family or my property I'd now be kicking seven shades out of you.


Well Said that man!!

[seedless]

This is my first bike, 125cc,


One thing you dont mention here, do you have a full motorcycle license??

[lucky]

Pity you didn't do that in the first place.You wouldn't be up to your ears in shyte and sinking fast.If you'd run into me,my family or my property I'd now be kicking seven shades out of you.

And same goes if you ran into me insured or not you'd be very sorry

[lucky]

One thing you dont mention here, do you have a full motorcycle license??
Only done my cbt and was having lessons.

[m@rk]

Well Said that man!!


this is why this countrys beyond any help and the reason that so many people are moving out,so many judgemental people who without knowing all the details and circumstances decide that they are better and "WOULD NEVER BE CAUGHT DOING THAT!!!!!!"
i am also a father of four and i to will do whatever it takes to protect me and my own but before i say anything in the heat of the moment which i may regret later,let me ask you all a question....
had lucky came to the forum asking for your advice and he had no points undeclared then would you still be slating him?....NO you wouldnt,youd call it an unfortunate accident, and thats my argument , we all have the right to our opinion but none of us have the right to judge.

my son was almost killed by a local thug 2 years ago and the law wouldnt do feck all so it was sorted old school ,which i got done for ,so now youll probly judge me as a thug..bollox if you do your the kind of hipicritical asses people are moving away from..call yourself bikers? bikers live the life and dont judge...to judge makes you part of the establishment that you became a biker in the first place to aviod...

i have probly offended most of you by now and as you have never met me in person your going to judge me ,i can imagine what youll call me ,but i shant lose any sleep over it cos i have me and mine ,in my life its all i need.

ihope some of you can see where im coming from,and now ill get down from my box and watch the telly with a nice cold beer...


ride safe

m@rk :(

[Yoda]

this is why this countrys beyond any help and the reason that so many people are moving out,so many judgemental people who without knowing all the details and circumstances decide that they are better and "WOULD NEVER BE CAUGHT DOING THAT!!!!!!"
having read all the threads, i feel people have made ther decision on what the OP has told them, he was the one who came looking for help and opinions and thats what he got, whether you or i agree with them or not is not the point.
The facts remain that he was wrong and his accident in the eyes of the law (based on the facts we were supplied with) is negligence
i personally do not agree with what he did but because we live in the real world and most people value what little freedom we are allowed (maybe a philisophical debate on how free we really are should folow this thread) as a 'Biker' you will already know of the costs involved in keeping you 'Lifestyle' the way you want it...
in the real world we all have to follow 'The Establishment's' rules or face the consequences, andif we wish to fight The Establishment then we must do it on their battleground
and as a family man with a wife and children i am sure that you too are part of the 'establishment' in one way or another
and i am not sure if you see the irony of your stereotype of 'bikers' as being a judgmental opinion

had lucky came to the forum asking for your advice and he had no points undeclared then would you still be slating him?....NO you wouldnt,youd call it an unfortunate accident, and thats my argument , we all have the right to our opinion but none of us have the right to judge.
if he had valid insurance he would not be here anyway as there would be no-problem, it did seem that the OP had a very Blinkered opinion on this matter based on information irrelevant to a negligence claim
yes it may have been an accident on his part, but it does not detract from his legal liabilities as a result of his action.


call yourself bikers? bikers live the life and dont judge...to judge makes you part of the establishment that you became a biker in the first place to aviod...

wow back up the horses a minute
i would be very surprised if there is one person here who is a biker 'because of the establishment' we are bikers for our own individual reasons and not stereotypical 'idealists' who shun society...no-one here is that self sufficient that they can shun the establishment and the basis of your last statment, if you call yourself a biker 'by your standards' then either you do not work for any capatalist company or live on handouts from the 'establishment'

i have probly offended most of you by now and as you have never met me in person your going to judge me ,i can imagine what youll call me ,but i shant lose any sleep over it cos i have me and mine ,in my life its all i need.
No offence taken at all it is merely another opinion (as mine is)

ihope some of you can see where im coming from,and now ill get down from my box and watch the telly with a nice cold beer...
i can see your point of view, but the world isnt an idealistic place in which life is so simple any more and (for better or worse) people either accept the changes or fight them with the system they use against them


Yoda

[lucky]

I never once asked for help, i asked what could i expect next
as having no experience with accidents or insurance decpetion previously i thought some on here would know a bit more than me.
However i've had all manner of hypocrites having a go, one even said they had rode/drove many times before uninsured but still judged me, i ask is that not a hypocrite??
As previously stated i have a much better idea of what will happen next and decisions have been made.
I now have a totally different view of the accident.

I dont really give a toss about the opinions of those who are sat with keyboard in hand and are making there own judgements of me.

I mean be real for a minute.......How many people on here actually know me, or anything about me??
NONE.
Yet i've been slagged for things no one on here knows anything about
i.e. my license and points.
If any one wants to know just ask dont create an image of me in your imagination.
How many people on here have attacked my character? and how many of those that have can honestly say they've not commited a motoring offence ever?
Like putting racing cans on, baffles out? etc,etc.
As said before...............................LET HE WITHOUT SIN CAST THE FIRST STONE

[davesatan]

just out of curiosity what did you get the points for ?

[Creature]

LUCKY - Dont forget to sit down with your kids and explain to them, that you may have to go away for a while. Yep as I said in previous post You could get a custodial sentence. Just got of the phone to a friend of mine (from the boys in blue) and he said that the chances are the police will pursue you for no insurance and fraudulant use of an invalid insurance document. If you are unlucky you could get max of 3 years at her majesties pleasure.

Whilst explaining to your kids dont forget your to explain to your wife/girlfriend. I am sure she will be most impressed.

As for your case the police wont pursue it because you lied to the insurance company.

You could of course tried the private prosicution route - but hold on you lied to your insurance company to save a few quid...... you couldnt afford the solicitors fees (no legal aid).

So stand up like a man. Admit ( i think u already have) that you have been a stupid idiot. Get in touch with the kids solicitors and put a counter claim in, complete with the fact that you have witnessess who ar epre=pared to testify. IF YOU ARE VARY LUCKY THEY WILL DROP THE CASE..... So your a so called £400.00 out of pocket.. well dig deep and repair the bike (Breakers are a great source so is ebay) and buy a cheeper helmet (never brought one over £70.00 in nearly 30 years of riding).

[lucky]

LUCKY - Dont forget to sit down with your kids and explain to them, that you may have to go away for a while. Yep as I said in previous post You could get a custodial sentence. Just got of the phone to a friend of mine (from the boys in blue) and he said that the chances are the police will pursue you for no insurance and fraudulant use of an invalid insurance document. If you are unlucky you could get max of 3 years at her majesties pleasure.

Whilst explaining to your kids dont forget your to explain to your wife/girlfriend. I am sure she will be most impressed.
.

I shall cross this road when i come to it.
My wife isnt impressed, but shes still supporting me.
I am not interested in a claim against the kid.
When i first enquired about a claim, i spoke to a solicitor who said the only way i could get any money was if i sue the kids parents, obviously i didnt want to do that.
The bikes going to get to be sold to help pay any fines/costs coming my way.
I'm probably going to be disqualified anyway, so i'll pursue biking when i have my license back and full and honest insurance cover.
Thank you for your input

[Sir Ewok]

The idea of the claim against the kid is to KILL his claim, not to make any money. Once he decides he isn't going to win, you can drop your claim. End of story. As for the criminal prosecution, all I can say is good luck.

I have only had a clean licence since the late 90's with points for speeding etc. I am not a madman, Just get bored easily.

If my kid had run out in front of a biker and broke his leg, I wouldn't be sueing. I'd boolock the little twat for not using his loaf ( and I have, when he got hit by a car, pissed up). I hope that as parents, you teach your children that roads are not playgrounds or right of ways for them to run across at will.

I am not defending 'Lucky's' insurance fraud, but the accident was as much the kids fault as his.

I changed the engine in a car once and actually declared it to the insurance, who doubled my premium. I changed from a 2,000cc to a 1,600 and they said it had been 'modified', to which I answered the bodywork and suspension was still standard. What? they said. to which I replied 'Modified' means an alteration to bodywork or suspension. They used terms that they did not understand themselves. I was then told that I had to declare even if I had one of those aftermarket grills with the fog lamps in them fitted. Insurance companies are legal thieves, although I would accept we need them (and I am always insured). My near fatal was with a learner driver who was unaccompanied, but the insurance company accepted the reason for him being on the road. He did a runner and the cops can't be arsed to look for him..... :mad:

[Doro]

whatever the rights and wrongs of this case I think Lucky has shown an immense amont of maturity in his response to some severe criticism as well as some personal insults!

[memnoch]

Couldn't be arsed to read the whole thread but read enough to get the gist....

My thoughts? If ya live in a glass house, don't throw stones! We've all done something we're ashamed of...

he knows he's been a twat - get over it!

[Sir Ewok]

Right on! bro. Couldn't have said it better. He's not looking for sympathy and at least realises he has done wrong. Continually rubbing his nose in it won't help.

Lucky, please keep posting (if you can) and let us know what happened.

[Yoda]

Right on! bro. Couldn't have said it better. He's not looking for sympathy and at least realises he has done wrong. Continually rubbing his nose in it won't help.

Lucky, please keep posting (if you can) and let us know what happened.

i would be interested to know the outcome and the decision he has made

[lucky]

Cheers guys.
I will keep posting if only to keep you updated,
I spoke to a solicitor today who is a family friend to a close friend of mine.
Can you believe she actually suggested blaming my insurance and say it's an overlook on their part, and that i had told them i have points.
I wont be doing that though coz when i go to court it will just look like i'm trying to worm my way out of it.


Anyone wanna buy a Suzuki intruder 125? :o

[lucky]

i would be interested to know the outcome and the decision he has made
The decision i have made is,
I shall sell my bike (to help pay for any costs/fines).
come clean with the insurance co.
When i have my license back i shall get another bike, fully insured and legal.
Will still go to bike shows tho.

[Abb]

Will still go to bike shows tho. You hope.....

[memnoch]

Cheers guys.
I will keep posting if only to keep you updated,
I spoke to a solicitor today who is a family friend to a close friend of mine.
Can you believe she actually suggested blaming my insurance and say it's an overlook on their part, and that i had told them i have points.
I wont be doing that though coz when i go to court it will just look like i'm trying to worm my way out of it.


Anyone wanna buy a Suzuki intruder 125? :o

Might be worth listening to yer legal advice - even big insurance companies make mistakes!

End of the day - it's up to you but good luck anyway...Don't be such a tw*t next time...lol :D

[Abb]

I suppose it would sound reasonable to say - "I had 10 points m'lud - only a total idiot would expect to get away with not declaring 10 points. If anything, I am guilty of not properly checking my certificate when it came through the post."

[Yoda]

The decision i have made is,
I shall sell my bike (to help pay for any costs/fines).
come clean with the insurance co.
When i have my license back i shall get another bike, fully insured and legal.
Will still go to bike shows tho.

are they still pursuing with the claim against you??
as to be honest it all rides on whether the claim goes to the courts. or whether i can be sorted or settled without to much legal intervention.

are the police involved or aware of your situation????

but personally (if i was in the same position) as part of the damge limitation i wouldnt inform the insurance company unless totally necessary as not only will they claim your insurance was invalid, but you will have (even more) difficulty getting insured again. (as well as the potential problem of further action taken against you) ...This is merely what i would do in your position and it is not entirely the 'correct' course of action you should take.


if the police are aware of the insurance situation then i most certainly would get to the insurance company and inform them first. and throw yorself on their mercy, if you can show that you have resolved the incident amicably then this may swing in your favour (but not by a lot)

Yoda

[technoboiler]

DEAR ME.......... 28 years old and already 17 points,,,,,,i do think maybe an advanced riders/drivers course might be a good idea,,,



i do think your best bet is to get a letter from the witnesses stating it was not your fault and try to nip the law suit in the bud b4 it goes any further


like i said at the beginning,,,,,, see what a letter from your witnesses to the injured boys parents does,,,,maybe you will be lucky!