Motorcycle Insurance "Legal Expenses Cover"

General discussion of the BMW R1200RT/R1250RT
Our Gee
Posts: 765
Joined: Sun Nov 08, 2015 7:43 am
Location: North Yorkshire UK
Bike Model and Year: R1200RT 2011
Been liked: 24 times
Great Britain

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by Our Gee »

simbo wrote:
So why did you ask the question? if you already knew the answer! 🤔

If you take note of the time line it could be that further knowledge / information was obtained between the two posts.
And sadly this is sinking into the usual sarcastic comments zone.
bandytales
Posts: 554
Joined: Fri Nov 03, 2017 10:54 am

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by bandytales »

Our Gee wrote:
If you take note of the time line it could be that further knowledge / information was obtained between the two posts.
And sadly this is sinking into the usual sarcastic comments zone.

Simbo wasn't being sarcastic. He was simply saying what he saw.
ds99
Posts: 404
Joined: Mon Jul 18, 2016 3:06 pm

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by ds99 »

i have legal expenses cover with Carole Nash (a third party cover only). after being knocked off my bike in 2019 (driver admitted fault), they pursued the other driver and secured me damages for injury. for the tiny amount of money it cost, i would get it
Casbar
Posts: 2670
Joined: Wed Jan 27, 2016 6:25 am
Been liked: 45 times
Great Britain

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by Casbar »

ds99 wrote: i have legal expenses cover with Carole Nash (a third party cover only). after being knocked off my bike in 2019 (driver admitted fault),they pursued the other driver and secured me damages for injury. for the tiny amount of money it cost, i would get it

That is not the point, the discussion is about whether you can use a specialist rather than the bods appointed by the Insurance company, who as someone else has pointed out are normally not top draw and just want to get it sorted. Even more problems if you happen to be dealing with someone who is insured by the same company as you. In the case of a non fault or personal injury claim you are much better off sorting out your own legal representative. Going back to my wifes claim, she is NHS and when the insurance appointed team made her an appointment to assess her back injuries, the doctor was a gynaecologist not much use for backs. She was able to find out his speciality and refuse the appointment and get one with a specialist, not on the insurance companies payroll. If you read up on this subject, most say legal cover by a insurance company is a bad decision. But each to their own of course I used to always buy it until I researched and realised what was actually happening.
User avatar
David.
Subscriber
Posts: 8007
Joined: Fri Nov 07, 2014 7:29 pm
Location: North Yorkshire
Bike Model and Year: R1200RT (Camhead) 2012
Been liked: 332 times
Great Britain

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by David. »

Another example of a non-fault accident personal injury claim. Whether pursued by the insurer's legal team or an independent specialist, the claims generally seem to have been successful.

So far, there have not been any examples of own fault accidents or claims against, where legal defence costs have been incurred and who paid for them.
ds99
Posts: 404
Joined: Mon Jul 18, 2016 3:06 pm

Re: Motorcycle Insurance "Legal Expenses Cover"

Post by ds99 »

Post Reply