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Old 08-21-2011, 10:09 PM   #1
IllSam09
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Bike Accident advice (w/pics!)

I was going right down the street a couple days ago when a silver car jumped out in front of me. I tried to brake and swerve but my rear end swung around and smashed into the back of this car.

Cops came out and determined that I was NOT at fault as the car was making an illegal turn. So I started a claim with my company, and I plan to call their company Monday morning.

This is my first auto accident...can anyone offer any friendly advice? what should I do next? Do I need to take the bike to some shops and get some repair quotes to fax to their insurance company?
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Old 08-21-2011, 10:16 PM   #2
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You don't want your insurance to know even if it's not your fault there need to inform your insurance company. Handle it through their insurance only. Tell the adjuster that you don't want a new bike, you just want it to be the same as before. Nothing more, nothing less. This is how I handled my accident in April and I wasn't out any money.
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Old 08-21-2011, 10:30 PM   #3
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Old 08-21-2011, 10:34 PM   #4
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I'd contact your insurance to battle it out with them. Your insurance is going to try whatever they can to get them to pay so they don't have to (if you have full coverage)

I am not familiar with the negative side of letting your own insurance know, but they know a of a lot more than you might when it comes to whose fault it is and how to battle with each other. I think the worst that could happen is you get a NAF (Not At Fault) on your record when insurance companies look you up. Which could increase your insurance rate.

My buddy crashed his bike and he took it to the nearest shop to get a damage estimate. The insurance decided to scrap the bike instead because damage was too much.

Last edited by ivancuriel; 08-21-2011 at 10:36 PM.
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Old 08-22-2011, 01:04 AM   #5
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I would contact my insurance and let them know I was involved in an accident and it was Not your fault. Like the guy above said, your insurance will fight FOR YOU vs the other insurance so the other insurance would have to pay. Take your bike to a few repair shops and get a quote. Use the highest quote with the best quality. If youre hurt..or not hurt but fell off your bike.... make a dr.s appt. Who knows if youre hurt on the inside or not. Their insurance will pay. Hire an attorney. They dont get paid unless you get paid, and its usually split 3 ways. Docs, Lawyers, you. 33% each. Dont be soft...bc this driver could have KILLED you, PARALYZED you. Bc of his/her neglect and attention to the road, a life was in danger.
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Old 08-22-2011, 02:30 AM   #6
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Protect yourself and contact YOUR insurance company. They will handle it from there. That is why YOU pay for insurance.
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Old 08-22-2011, 02:36 AM   #7
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Make sure police states it was there fault!! If not case lost, dont let ur insurance find out
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Old 08-22-2011, 02:48 AM   #8
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BTW Did they give the guy a ticket?
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Old 08-22-2011, 07:32 AM   #9
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Quote:
Originally Posted by ringdingding View Post
You don't want your insurance to know even if it's not your fault there need to inform your insurance company. Handle it through their insurance only. Tell the adjuster that you don't want a new bike, you just want it to be the same as before. Nothing more, nothing less. This is how I handled my accident in April and I wasn't out any money.
you do realize if a cop was there they most likely exchanged info and the person at fault will try to turn the tables around and call his ins and state it was his fault not theirs.....thats what you pay your ins for, let them hash it out they have high priced lawyers who do this for a living.
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Old 08-22-2011, 09:20 AM   #10
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Quote:
Originally Posted by DanteLee View Post
you do realize if a cop was there they most likely exchanged info and the person at fault will try to turn the tables around and call his ins and state it was his fault not theirs.....thats what you pay your ins for, let them hash it out they have high priced lawyers who do this for a living.
This. You pay insurance to cover your in situations like this. They have the lawyers and the experience. Now if you went down without a cage's help, calling would depend on how severe the damage is and whether you have full coverage.
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Old 08-22-2011, 09:27 AM   #11
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Get a lawyer, it wont cost you anything (They'll take their cut in the end). Also, id contact your insurance...his insurance company can still with u and say its not their fault no matter what the police report says.

+1 Best way to go about it..... Lawyer up!
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Old 08-22-2011, 09:34 AM   #12
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Quote:
Originally Posted by Rael View Post
This. You pay insurance to cover your in situations like this. They have the lawyers and the experience. Now if you went down without a cage's help, calling would depend on how severe the damage is and whether you have full coverage.
if it wasn't your fault, then contact your insurance. They will make sure they make the othe company pay 100% of your replacement costs.
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Old 08-22-2011, 10:17 AM   #13
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Quote:
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if it wasn't your fault, then contact your insurance. They will make sure they make the othe company pay 100% of your replacement costs.
I talked to the other persons insurance tgis morning. The guy on the phone took my statement and said they would be 100% liable for the repairs. Just waiting for an appraisal now. They had USAA...decent company to deal with.
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Old 08-22-2011, 10:26 AM   #14
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Don't forget to include your gear and such in the claim. GL
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Old 08-22-2011, 12:02 PM   #15
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Do not contact your insurance company. Do not get lawyer involved. They know they are liable for the damage. Take your bike to a respected shop for the repairs and let the insurance co. look at the bike at their shop. You should have no problems. If you do then you can still use your insurance or get a lawyer. To many sue happy people...just get your fixed and go ride.
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Old 08-22-2011, 12:39 PM   #16
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From prior experience, let your insurance know what happened. Even though their insurance guy on the phone said they will take responsibility, they can change their statement. It happened to me. Even had a police report stating the offending driver failed to yield right of way while exiting a private parking lot. I didn't get my insurance company involved and ended up not getting .
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Old 08-22-2011, 12:48 PM   #17
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You have a timeline to file a claim. Call your insurance if you want your rates to go up. I deal with insurance co. every day and do know what i am talking about!
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