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Message: <blockquote data-quote="XXX" data-source="post: 143990" data-attributes="member: 231">What abt accident involving commercial vehicles and motorbikes?what I heard is even if you are not in the wrong, you have to claim your own insurance and the insurance of the other party only pays you on the loss of your NCB and not the amount needed for repairs, is this true?I was recently hit by a tipper truck and made a police report but as usual this guys never made the report, for all you know the reg. number is false. So as long as they never made the report im already at the losing end as Im already having 55% on my NCB, is this fair?</blockquote>