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Old 05-09-2013, 02:45 PM   #1
D-Man
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Accident- Not at Fault. Need advice!

Hey guys,

Need some advice regarding what to do after an accident. Yesterday I was involved in an accident, the first MC accident I've been in, and the first accident of any kind where it wasn't my fault. It involved 2 cars and my bike, and it was one of the driver's fault. I'm okay, a little scratched up and sore all over, but didn't even go the hospital. The bike, however, wasn't so lucky. I had to watch as the wrecker guys tried to get it unstuck from underneath the front end of a Mustang (the driver at fault), and the front end was pretty much destroyed. The police were on the scene right away, made a full report, wrote the guy a citation, etc. The driver at-fault seemed to be very cooperative. My question is this: what do I do now? I called my insurer (Geico), and they said I have two options: 1. File a claim with Geico first, get it repaired (or have it totaled) then go after the other guy's insurer for my deductible and other damages. Or option 2: File a claim only with the other guy's insurer, and hope they pay and take care of everything in a timely manner. BTW I had liability, comprehensive, and collision on the bike through Geico, with a $500 deductible.
From what I'm reading on other sites, they suggest I should stick with my company for the repairs, and go after the other guy's insurance later. What do you think? Any advice would be much appreciated!
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Old 05-09-2013, 02:49 PM   #2
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Also, forgot to add. I just bought this bike last year, and so I still have a lien on it from the loan company, if that matters. Not sure if I have any kind of GAP coverage at all....
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Old 05-09-2013, 02:50 PM   #3
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Yup use subrogation if you want it done fast
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Old 05-09-2013, 02:52 PM   #4
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Contact the other guys insurance first.
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Old 05-09-2013, 02:54 PM   #5
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Quote:
Originally Posted by DLite View Post
Contact the other guys insurance first.
x2

his fault, his ins.
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Old 05-09-2013, 03:13 PM   #6
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When my bike was totaled I chose to go through the other guys insurance. I had the money for the bike within a couple weeks if I remember correctly. The injury money took about a month ( I wasn't too injured)

I'd just deal with his insurance unless you are in a hurry, or he had insurance
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Old 05-09-2013, 03:22 PM   #7
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he had insurance? What fantasy land are you riding in?
Seriously, go after his policy.
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Old 05-09-2013, 03:32 PM   #8
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Glad you're OK - i feel for ya - going thru the same mess right now. Had to subrogate because the other guy's company still hasnt decided if they're paying for it.
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Old 05-09-2013, 03:33 PM   #9
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Hit him up. Get yo money
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Old 05-09-2013, 03:39 PM   #10
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Quote:
Originally Posted by Bigshankhank View Post
he had insurance? What fantasy land are you riding in?
Seriously, go after his policy.
LULZ true...

GAP insurance is only worth it on new vehicles, IMO.

Judging which company to deal with depends on how easy they are to deal with and how much they are offering you to begin with and if they are being negotiable at all.

There was one instance where I did decide to go through my own insurance, pay the deductible, and let them recoup the $$ (including the deductible) from the other insurance company because they would not cooperate in the least... wouldn't talk to me because the other person wouldn't admit fault even though they were issued a citation, etc... it was a mess.

Definitely at least try to only go through them at first. If you feel that they are trying to BS you or take advantage of you in any way, use your insurance.

Last edited by Trish; 05-09-2013 at 03:42 PM.
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Old 05-09-2013, 03:59 PM   #11
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If the other guy's ins co is one of the majors - and the case is clear-cut, which is in your case - you'll almost always be better off dealing with his ins co directly. Don't be in a hurry to settle, though you should be compensated for property damage fairly quickly.

DOCUMENT EVERYTHING. Every phone call, meeting, correspondence, each with with a summary of discussion and contact person(s) info.

The other ins co's goal is to pay out as little as possible. Yours should be the opposite - to be compensated fairly for the you never asked for but are now forced to deal with.
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Old 05-09-2013, 06:37 PM   #12
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Oh yeah and make sure they pay for new gear!
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Old 05-09-2013, 06:56 PM   #13
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Yeah just go through his insurance and like it has been said they should pay for gear too!
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Old 05-09-2013, 09:50 PM   #14
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Geico ia good..go thru them
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Old 05-10-2013, 09:53 AM   #15
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Probably better to go through their insurance because if you went through your own, it might make your own insurance rates go up? I'm not sure whether or not it would go up regardless if you had gone after his policy. But just some food for though also.
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Old 05-10-2013, 04:26 PM   #16
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Thanks for all the advice guys. Got a call from the other guy's insurance (MetLife) today, and they seemed willing to handle it. I think I'll stick with them for now. Thanks!
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