Ok. so my bike got hit by a guy in the driveway. I was upstairs. Damage to tank, handle bars, clutch..and possibly other things. He gave me his info and said thet hed like to take care of it without insurance. I have a witness as well. What should I do? Im going to get an estimate for damages..but what happens if he doesnt want to pay after..I called insurance and they told me I have 7 days to report a claim. What should I do...oh and the guy said he doesnt have insurance on his rental..i have a pic of his plates.
bike got hit over in the driveway
- Thread starter junk301
- Start date
There are at least 2 other threads active right now on the same topic.
1) Get a price for the repairs (it's going to be thousands).
2) Give guy the quote, he will freak out and say he barely touched it yadda, yadda, yadda
3) Call insurance and file a claim. You have his information. As you were parked and can identify the other vehicle this should be under the comprehensive portion of your policy (ie. the claim shouldn't effect your rates).
1) Get a price for the repairs (it's going to be thousands).
2) Give guy the quote, he will freak out and say he barely touched it yadda, yadda, yadda
3) Call insurance and file a claim. You have his information. As you were parked and can identify the other vehicle this should be under the comprehensive portion of your policy (ie. the claim shouldn't effect your rates).
Report it to the cops. NOW.
I don't know if they'll take an accident report for private property (as it is your drive way) but try anyway.
Contact your insurance, and give them guy's info. I'm 99% sure the guy is not going to pay because your damage is going to be, as everyone else will say, in the thousands. I'm assuming an entire side of your bike is scratched including engine/clutch/whatever covers.
I don't know if they'll take an accident report for private property (as it is your drive way) but try anyway.
Contact your insurance, and give them guy's info. I'm 99% sure the guy is not going to pay because your damage is going to be, as everyone else will say, in the thousands. I'm assuming an entire side of your bike is scratched including engine/clutch/whatever covers.
Just going through a similar situation right now with State Farm. I'll give you an idea of what's happening and what to expect. A child, 14, pushed my bike over in my driveway. Witnesses. The damage is over $3000 to replace the fairings, swingarm, covers, windscreen, tail light, etc.
Had the police there that night to document everything and get witness statement. Called State Farm and let them know my bike has been damaged by a vandal but not sure what the cost of the damage is and whether I will be putting in a claim. ( Have it on file )
Find through my own research going to cost around $3000 to fix, get some free estimates from local shops on paper. Call State Farm and tell them the estimate price, and I will need to go through with the claim.
Within 2 days they have a car mechanic at the bike to look it over and compare to my estimates. He has a little laptop, takes pictures, writes down part numbers etc.
Within 2 days of that I receive mail with the State Farm estimate of repairs which includes labour and also some things that I did not notice / from the shop.
Now I wait for the cheque and my $1000 deductable is removed from my settlement which I will sue the kids parents in court for.
So what I suggest you do is get a police report if possible, get an estimate from a local shop or price parts online, and notify insurance ASAP that you may make a claim. Then you can call this guy and show him the cost to replace and when he tells you to stuff it, you can go through insurance, and then sue him for your deductable.
Hope that helps, I got alot of help on this forum for my situation
Had the police there that night to document everything and get witness statement. Called State Farm and let them know my bike has been damaged by a vandal but not sure what the cost of the damage is and whether I will be putting in a claim. ( Have it on file )
Find through my own research going to cost around $3000 to fix, get some free estimates from local shops on paper. Call State Farm and tell them the estimate price, and I will need to go through with the claim.
Within 2 days they have a car mechanic at the bike to look it over and compare to my estimates. He has a little laptop, takes pictures, writes down part numbers etc.
Within 2 days of that I receive mail with the State Farm estimate of repairs which includes labour and also some things that I did not notice / from the shop.
Now I wait for the cheque and my $1000 deductable is removed from my settlement which I will sue the kids parents in court for.
So what I suggest you do is get a police report if possible, get an estimate from a local shop or price parts online, and notify insurance ASAP that you may make a claim. Then you can call this guy and show him the cost to replace and when he tells you to stuff it, you can go through insurance, and then sue him for your deductable.
Hope that helps, I got alot of help on this forum for my situation
EaZ8
Well-known member
not in canada you wont.
Deductibles are up to the owner of the bike/vehicle, you can pay more insurance to have a 500, 300 or 0 deductible.
imagine everyone sued the at fault driver for $500 every time there was a insurance claim... courts wont touch the claim.
Don't listen to this guy.
This isn't an at fault driver. Someone pushed the bike over. apples and oranges.
File a police report and when the guy refuses to pay open a claim. Don't listen to that 7 days BS, you have a year from the date of loss. If the responsible driver is identified and insured than it absolutely will not be covered under comp. It WILL be covered under dcpd.
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[TD="class: ms-rteTableEvenCol-0, bgcolor: transparent"]Direct Compensation - Property Damage (DC-PD) Coverage:[/TD]
[/TR]
[TR="class: ms-rteTableOddRow-0, bgcolor: transparent"]
[TD="class: ms-rteTableEvenCol-0, bgcolor: transparent"]This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.
Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:
- the accident took place in Ontario;
- there was at least one other vehicle involved in the accident; and
- at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario or has signed a special agreement with FSCO to provide this coverage.
[/TD]
[/TR]
[/TABLE]
R1Style
Well-known member
same thing happened to me on my cbr1000rr.
Old guy backed into my bike, knocked it over while I was at the gym. He stayed (probably cause there were witnesses), offered me $500. I laughed and said it will be thousands.
Went and got an estimate from Inglis Cycle, was quoted over $4000. Called the guy, told him, he thought I was lying so I called my insurance company and had it repaired through them.
My rates didn't go up and I paid $0 deductable. Essentially my insurance company went after his company. I'm sure his insurance went up.
Old guy backed into my bike, knocked it over while I was at the gym. He stayed (probably cause there were witnesses), offered me $500. I laughed and said it will be thousands.
Went and got an estimate from Inglis Cycle, was quoted over $4000. Called the guy, told him, he thought I was lying so I called my insurance company and had it repaired through them.
My rates didn't go up and I paid $0 deductable. Essentially my insurance company went after his company. I'm sure his insurance went up.
AL3RT
Well-known member
Ideally this is how it should be. You got lucky, he didn't take off.
Why did you pay 0$ deductable i'm curious? I was vandalized and I'm still paying $1000. Thanks
Collision coverage = at fault, pay deductible vs not at fault, 0 deductible
Comprehensive = pay deductible when you make an insurance claim, whether you are at fault or not.
Collision insurance is for your bike/car accidents, ie you crash into someone/something, someone crash into you, etc.
Comp insurance is for other situations, ie theft, fire, vandal, natural disasters, etc
So in your case, it's vandalism, so you are making a claim under comprehensive ins rather than collision, so that's why you had to pay your deductible.
in ontario it's no fault insurance, all your ins co did was report to the other person's insurance that he was at fault for an accident and logged it into the provincial (or national?) database
EaZ8
Well-known member
油井緋色;2043355 said:
i had a not at fault collision, 2x actually. and i had to pay the deductible both times.
one time it was a neighbour, i went over after i got my truck back a few months later and they paid my $500 no problem.
the last one i tried and got nowhere, even had a lawyer tell me there is no way to get the $500 off them as well as the cop who did the accident report told me that they do not have to pay it....i also asked them for the money and got nowhere.
so no, they have no legal responsibility to cover your deductible if you have one, otherwise (as i said) everyone would be suing everyone for their deductible money back as well as you would have no reason to want to pay extra on your policy for a lower or even $0 deductible...i think my current policy is $300 deductible now.
if anyone on here has ever had to pay their deductible then actually sued the at fault driver for the money (and won) i would be very surprised.
this depends on how your policy is set up... you can have deductibles added to different categories to lower your rates...i know because i did it with TD when i was younger so i could afford insurance while in college.
you can even add a deductible on the loss of use (rental) section with some policies.
i had mine set to $500 for not at fault, and $500 for at fault.
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You need to tell us more about what happened in your 2 'not at fault collisions'. Because what you're saying doesn't make any sense to me.
EaZ8
Well-known member
#1 - my truck parked on road in front of my house, neighbour ran it over with bigger truck (HENO)....over 14 grand damage... 100 percent liability to the dumb neighbour. neighbour gave me $500 willingly when he found out my truck took over 6 months to fix.. i wasnt happy, but thats life....ended up trading it in because it just wasnt the same, serious damage, bent frame.
originally he wanted to pay cash for the repair because he was in a company vehicle with a high deductible and the work truck had just a bent bumper and some minor paint loss considering its basically a moving van with hydrolic lift on the back...i dont think they even fixed it.
#2 - me driving newish truck (probably 4 yr old truck at this time) i had traded the smashed one in for, i was going straight through intersection on green light, old lady turns left, panics and stops in front of me..i t-boned her car. she accepted 100% liability and was charged with unsafe left turn..possibly listed as causing collision i cant remember the exact wording (same as dangerous driving essentially), 3 points and paid the ticket. over 12 grand damage to my truck, her car written off for just under 30 grand.
i fought this one for a very long time and got nowhere, about 2 years in and out of the bodyshop.
i paid the deductible.
originally he wanted to pay cash for the repair because he was in a company vehicle with a high deductible and the work truck had just a bent bumper and some minor paint loss considering its basically a moving van with hydrolic lift on the back...i dont think they even fixed it.
#2 - me driving newish truck (probably 4 yr old truck at this time) i had traded the smashed one in for, i was going straight through intersection on green light, old lady turns left, panics and stops in front of me..i t-boned her car. she accepted 100% liability and was charged with unsafe left turn..possibly listed as causing collision i cant remember the exact wording (same as dangerous driving essentially), 3 points and paid the ticket. over 12 grand damage to my truck, her car written off for just under 30 grand.
i fought this one for a very long time and got nowhere, about 2 years in and out of the bodyshop.
i paid the deductible.
In Ontario, I believe there's a $30,000 tort deductible on a standard auto policy if you want to sue an at-fault driver for general damages. You have to sustain injuries serious enough though to have caused you economic loss (e.g., significant injury that you cannot go to work).
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EaZ8
Well-known member
thats correct.. kinda.
the 30 grand only applies if the injuries exceed 30 grand and are under 100 grand. anything over 100 grand there is no deductible.
the insurance companies re wrote how it works back in 2010 i believe, now if you do not have a major injury you are capped at 5 grand of physio i believe.
a minor injury is any sort of muscle or nerve damage, including a fractured bone. to be in a major injury claim you have to have a actual break not just a fracture...and then there are other injuries that also get you into that category.
basically, the new policies suck.... we are getting ripped off more now than we ever have before.
the 30 grand only applies if the injuries exceed 30 grand and are under 100 grand. anything over 100 grand there is no deductible.
the insurance companies re wrote how it works back in 2010 i believe, now if you do not have a major injury you are capped at 5 grand of physio i believe.
a minor injury is any sort of muscle or nerve damage, including a fractured bone. to be in a major injury claim you have to have a actual break not just a fracture...and then there are other injuries that also get you into that category.
basically, the new policies suck.... we are getting ripped off more now than we ever have before.
If both of those accidents happened in Ontario with other drivers who were also insured in Ontario than there is no way that you should have paid a deductible. They'd both be paid under DCPD. Unless (and this is so insanely rare) you applied a DCPD deductible to your own policy it shouldn't have cost you anything and you should never have had to recoup money from other drivers.
