This motorcycle accident shows how important it is to have a legal team on your side who are willing to go the extra mile on your claim.
One of our solicitors Liz was called by a gentleman asking for our help as he had been in a motorcycle accident.
Unfortunately he had been knocked unconscious in the accident, and the next he knew was waking up in hospital with a broken wrist.
All he knew was that he had gone into the back of a car. He didn’t know exactly where the accident had happened as he was not on a familiar route, and he had no idea of the registration number of the car he had it.
He had two vague memories whilst slipping in and out of consciousness which were viewing his motorcycle smashed on the road from the ambulance, and being told by the ambulance crew that there were cars parked illegally on the nearside of the road immediately after a left-hand bend. The occupants had pulled over suddenly to look at something.
He had tried to claim for his accident with his own insurance company but the solicitors he was put in touch with couldn’t take his case on without further details.
He felt he had hit a dead end. His call to Sorrymate.com changed all that for the better!
We knew that his motorbike had been damaged in the accident and would have been recovered from the scene. We had the details of the recovery company who had been instructed to recover the motorbike that day and we got in touch with them.
The recovery company were able to give us the details of the police reference number.
We contacted the police and were then able to obtain details of the car driver and their insurance company.
At last we had the details we needed! We contacted the third party insurance company for the car which had suddenly pulled up, and they accepted liability for the accident.
Our client was delighted and has recently been compensated for his injuries and is back on his new bike!
We take on all cases, no matter how difficult they may seem.
How can SorryMate help you?
If you have been knocked off your bike, it can often feel like there is no one to turn to, to help you get back on. SorryMate are there for bikers who need legal advice when they have been knocked off their bike by a car, injured themselves due to potholes or poor road surfaces, or when they have been involved in an accident with other road users or pedestrians.
We are bikers, just like you, and understand the distress an accident can have. We want to make our roads safer, and we go after those who don’t.
SorryMate deal exclusively with motorbike accident compensation claims. We are made up of a team of specialist personal injury motorcycling lawyers, registered with the SRA, that can help you recover your deserved compensation.
Find out today if you have a claim for compensation by completing an enquiry form or by calling 0800 6 300 301.
As of 25th March, new rules to The Highway code have come in to force to make using any hand-held mobile phone illegal while driving.
The changes were supported by 80% of respondents in a public consultation in 2021.
The new rules now state you must not use a device in your hand for any reason, whether online or offline. The law applies to you if you are.
- Supervising a learner driver
- Stopped at traffic lights
- Queuing traffic
- Driving a car that turns the engine off when you stop moving
- Holding and using a device that’s an offline or in-flight mode
The only exceptions are needing to call 999 or 112 in an emergency or making a contactless payment in a vehicle that is not moving.
It is important to stay up to date with any changes made to The Highway code as it is your responsibility for the safety of other road users.
You can view The Highway Code for free on www.gov.uk/guidance/the-highway-code
OPINION ON MCE AS WAS.
I am Fergus from Sorrymate and this is my view of the position as it stands with MCE Insurance. This sort of thing is never exciting but what follows will hopefully give some guidance and help avoid a few pitfalls.
This is what I have been able to find out to date, but it has to be taken with a degree of care as things are potentially subject to change.
1. MCE Insurance Company Limited is now known as Green Realisations Limited and is currently in administration (hereinafter MCE). Administrators are now running the company.
2. This company should not be confused with MCE Insurance Limited which was MCE’s sole broker for policies and is still trading. (Please note that I do not believe that there is a cause of action against this company for now).
3. MCE was registered in Gibraltar and as such come under Gibraltarian Law. More of this later.
4. As of 31st January 2022, all policies from MCE are cancelled so any claim after that date is void. If anyone has insurance with MCE, they need to arrange new insurance immediately.
5. The FSCS (Financial Services Compensation Scheme) will be arranging compensation to refund in part, premiums paid where people have paid for 12 months and received less cover.
6. My belief is that these are to be paid at 90% but I am awaiting confirmation.
7. My understanding is that in principle all first-person claims (where you are claiming on your own insurance) will be paid out at 90% and all third-party claims (where you have a claim against someone insured by MCE) are paid out at 100%.
8. The big issue at the moment appears to be those people who have made a claim against their own policy with MCE and MCE have refused the claim in full or in part.
9. Under the Insolvency Act of Gibraltar no action may be brought against a company in liquidation without permission of the Court or the Administrator.
10. The above Act applies in the UK as well (under the wording of the Act) therefore a Judgment against MCE is unenforceable.
11. According to the FSCS they will pay compensation where the claim is agreed and valued by the Administrator. They will not pay on the sight of a Judgment against MCE or GR123 Ltd. Basically obtaining a judgment, is pointless, at this stage.
12. The only course of action, at the moment, is to ask the Administrator to reconsider your claim. They have set up a scheme to enable this.
13. The review of claims is being carried out by a company called
Quest Consulting, 52 – 54 Gracechurch Street, London, EC3V 0EH
14. In short, my advice would be as follows:
A. If you are owed a refund of the premium, then sit tight. The FSCS is going to sort refunds of at least part of the premium, but be aware, this will take months.
B. If you have a claim against someone insured by MCE, make sure, if you are issuing proceedings, that you issue against the insured rider and not against MCE. These Judgments are not against MCE so are not covered by the relevant Gibraltar Insolvency Act. My understanding is that the FSCS will be paying these in full. I await clarification.
C. If you are making a claim against MCE then go through the procedure with their governance people first, firstname.lastname@example.org Once that runs its course, if you remain unhappy with the result (which will be paid out by the FSCS in time) file a complaint with Quest, details above.
I am currently awaiting further clarification from the Administrators, Quest and the FCFS and will update further in due course.
The Financial Services Compensation Scheme has declared that MCE Insurance Company Limited has failed.
The company who are based in Gibraltar sold motorbike, private car, van, and commercial vehicle insurance products in the UK through broker MCE Insurance.
Last week MEC had been put into a run-off following difficulties.
The company ceased writing new insurance on 5 November 2021 and predominantly wrote motorbike insurance and car insurance policies, specifically for UK customers.
Existing insurance policies remain in force and are valid. If you are a policyholder of the company, then your policy will continue to be administered by the UK broker MCE UK.
MCN report on The National Motorcyclist Council (NMC) calls for changes to be made to the current UK’s motorcycle license testing and training regime. As it was found the multi-layered approach has not to be making biking any safer.
Motorcycle licensing changed in 2009 to involve a two-part test and two-stage licences, in the belief it would reduce casualties.
However, NMC analysis reveals that changes introduced in 2009 have failed to make motorcycling safer but the number of riders killed or seriously injured has risen. Now that the UK has left the EU, the NMC is calling on the Government to use this opportunity to revamp the system.
The proposed changes are to return to a single test and remove the A2 category. For young riders who pass they would be on a restricted licence as before, with a training course after one year to graduate to the full A licence.
Also, NMC would like to see the CBT include a theory test. The NMC are also in favour of training courses to move up from A1 rather than a repeat test. Other proposed measures are to return a direct access minimum age of 21.
The National Motorcyclists Council bring together a range of motorcycling groups across the country to voice their issues to parliament.
This includes making sure motorcycles and mopeds are included in current and future transport and sustainability strategies, making sure the process of getting a licence is fit for purpose post-Brexit and protecting motorbike sports venues such as race circuits and motocross tracks.
The council will also work with authorities on regulatory and enforcement issues like exhaust noise, bike theft, antisocial behaviour, vehicle excise duty, low emissions zones, and better security for riders. Visit the National Motorcyclists Council website for a full list of the new group’s objectives.
Recent figures reported from the Yorkshire Air Ambulance shown that RTC motorcycle incidents were the most common incident last week.
This year the Yorkshire Air Ambulance had responded to 1003 which, 694 patients were held.
SorryMate are proud to support Yorkshire Air Ambulance who work extremely hard to save lives across Yorkshire. The Yorkshire Air Ambulance is an independent charity which relies heavily on the generosity of the public & organisation to keep the service active.
MCIA hails new chapter for powered light vehicles and their role in the future of our cities’ transport systems
MCIA yesterday welcomed the Government’s announcement it will deliver an action plan to build new UK opportunities for Zero Emission Powered Light Vehicles (PLVs), including Motorcycles and Scooters as part of the Transport Decarbonisation Plan.
The landmark announcement, which comes off the back of three years of intensive MCIA engagement with Government ministers and officials, is welcomed by MCIA and testament to the innovative and flexible approach members have adopted towards their business models and manufacturing strategies.
We foresaw two years ago via our Route to Tomorrow’s Journey document, launched in June 2019, the rise in urban and sub-urban mobility solutions. The research detailed helped paint a picture of the transport and environmental issues we are now facing and has resulted in the recognition of PLVs in the Transport Decarbonisation Plan.
Whereas previously, PLVs and other powered two wheelers were thought about exclusively through the prism of safety and pollution, through positioning our industry as part of the solution to many of the Government’s public policy challenges, we find ourselves in a far better position than when we first embarked on this journey three years ago.
We are proud to be included in the Transport Decarbonisation Plan and chosen by the Government to jointly lead the conception and delivery of the action plan along with Zemo Partnership.
Commenting on today’s announcement, Tony Campbell, Chief Executive of MCIA, said:
The government has today laid down a long overdue marker, signalling not the end but the start of our next chapter. We will as an association continue to hold the government to account on its promises during this vitally important next phase of implementation.
From being a clean and efficient way of getting around to generating industrial opportunities for the UK, we are thrilled to be working with Zemo Partnership in conceiving and delivering an action plan for PLVs fit for the future of our cities’ transport systems.
We remain steadfast in our continuing to be a constructive partner to government in ensuring the many benefits our sector brings to society are fully realised, at a local and national level, whilst doing everything in our power to ensure our fleets remain as green and clean as possible. Motorcycles, Scooters and other forms of Powered Light Vehicles will play a key role and we are extremely happy this has now been recognised
Andy Eastlake, CEO of Zemo Partnership, said:
We welcome the clear focus in the Government’s Transport Decarbonisation Plan on the Motorcycle and Scooter sector, which includes all forms of Powered Light Vehicles. We think this provides a large and, as yet, largely unexploited opportunity to change the way we commute in urban and sub-urban environments, leading to reduced congestion and emissions. The benefits to UK PLC are also enormous and offer great opportunities for British investment.
Zemo Partnership will be developing an action plan in collaboration with MCIA to maximise the opportunities for the UK in both building and using these vehicles to best effect.
The MCIA is the body that represents the UK Powered Light Vehicle (PLV) industry. PLVs can be defined as lightweight scooters, motorcycles, tricycles and quadricycles, typically with zero or low-emission power.