report it to cops, that e-bike needs to pay up
Boy, it sure is windy today
- Thread starter espro
- Start date
Is this a matter of fact? I would think both insurance companies would need each insured to pay the deducible unless one of them was found at fault.
What makes you think that the owner of the culprit bike will not get to that note first and rip it to shreds?
I'm an auto claims adjuster. I'm not guessing. Claim it as a hit and run and not as a windstorm or vandalism claim.
espro
Well-known member
Wasted, I went to the CRC tonight and the guy helping me was confused how to claim it, asked me to speak to the police. Police said it would have to go as Comprehensive and that they wouldn't get involved. CRC didn't know how it would affect my rate to claim it (and I didn't want to claim if it would), couldn't get a hold of an adjuster at my insurance company as it was after hours, and the CRC told me to come back when I was sure I was going to submit a claim. 
I've claimed hit and runs in the past and I was fully responsible for the deductible.
I've claimed hit and runs in the past and I was fully responsible for the deductible.
See my above post. The deductible can only be waived if there is a hit and run AND there are 2 other identified vehicles. If someone hits your car and buggers off and that's it it's a not at fault collision and deductible applies. But if you get rear ended and get pushed into the car in front of you and the guy that hit you runs you can still have your deductible waived as long as you and the guy you hit are insured.
A couple of years ago I was parked at a Home Depot in Dallas. Wandering the store I hear a page "Would the owner of the motorcycle with South Carolina plates please come to the customer service desk". I head up there and they tell me my bike has blown over. Wind was about 50 km/h. Personally I think someone hit it but there was no damage to the bike, other than a cracked signal light where it hit the ground.
So the wind can knock over bikes.
So the wind can knock over bikes.
I hear and like what you are saying, but I'm not understanding why the insurance company would waive the deductible when the at fault party is not identified.
I'm not saying you are wrong, I'm just saying I don't understand why they would do this.
It's because your deductible isn't technically being waived. You have 3 coverages on your policy that will repair damage. Collision, Comprehensive, and DCPD.
Collision fixes At fault accidents, Single vehicle accidents, and hit and run accidents.
Comp fixes fire, theft, windstorm, hail damage, vandalism etc
Collision and comprehensive are both subject to the deductibles that you purchased at the time the policy was set up and are ALWAY applicable. They are attached to the coverage and are not negotiable at the time of a loss.
Now, DCPD is a totally different beast all together. It is tucked in your policy under the liability section. It typically does not carry a deductible (altho you can buy a deductible if you wanted to) however, it has critera that needs to be met in order to use it.
DCPD will pay for loss or damage to an insured vehicle to the extent that you are NOT AT FAULT. But there is a catch. First you have to be involved in an accident IN Ontario. Second it has to involve 2 or more vehicles. Third, at least 1 of the other vehicles involved has to be insured by a company licensed to write insurance in Ontario.
So if someone hits your car in a parking lot and leaves, you can't confirm the necessary info and therefore have to fall back on collision coverage and it's lovely deductible. BUT if that guy hits your car AND another vehicle you can use the other persons info to satisfy the DCPD criteria and just like that Robert is your father's brother.
Your deductible is never waived, you're using a totally different coverage with a $0 deductible. It's just easier for us to say 'wavied deductible' rather than going thru all of this everyday!
Great post, & thank you very much for that detailed explanation. I was not aware of the DCPD criteria. Good to know
hmmmm, haven't I seen this post already today, 1esproc?
1 upshift for you sir.
I hope you enjoy all this Karma.
1 upshift for you sir.
I hope you enjoy all this Karma.
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espro
Well-known member
Ah a fellow Rideitor
Karma is small consolation for the rage that's built up today seeing that e-bike parked with the motorcycles. Guy is so convinced he's not responsible that he feels okay parking that piece of **** here again. In other news the Kawi owner emailed me, appreciated that I left a note and just bent his signal back in place, no big deal.nesobriquet
Well-known member
Ah a fellow Rideitor
Holy crap...don't freakin' believe this *******! Talk about a bubble-boy..I'd report the VIN as hit and run..wait for the cop to arrive..take pics. The ******* has temerity in spades..
Eff it... Turn his bike upside down. Maybe he'll get the picture then? Or better yet wait for him to show up to his bike. "Gently" back your bike into his piece of e****. After all... he doesn't have insurance and the damage would be under the minimum reporting requirements. When he starts whining about what you've done just drive off like he did.
Better not do the above though as he'll probably still be oblivious about it. But at least you'll feel a little better about taking your "pound of flesh".
