chickadee11
Junior Member
What is the name of your state (only U.S. law)? WA
My husband was in an accident with a car 10 days ago. It was the uninsured car driver's fault as they turned left from the right lane with no signal and cut him off on his motorcycle. He came away from it with the worst thing being a cracked metatarsal resulting in bruising and needing crutches. Witnesses' written statements put the car at fault saying the couple was seen arguing and not paying attention, even the one at fault attested to the same thing. Their car was apparently pretty well damaged from the bike with the driver's side being smashed in and the front bumper torn off. His bike doesn't look too bad, but I have no idea what the insides look like.
The claims adjuster is coming to assess his bike today. We have collision insurance on the bike but not uninsured motorist insurance, which sucks. Collision insurance has an $800 deductible. So if I understand correctly, collision insurance will cover any repairs needed for his bike after we pay $800? What if they total his bike? Will we just get a check for what it's worth?
I don't imagine it makes any sense to go after any money ($800 deductible) from the uninsured driver since they most likely don't have any money if they don't have insurance? Is it worth trying to do that if it comes to that?
My husband was in an accident with a car 10 days ago. It was the uninsured car driver's fault as they turned left from the right lane with no signal and cut him off on his motorcycle. He came away from it with the worst thing being a cracked metatarsal resulting in bruising and needing crutches. Witnesses' written statements put the car at fault saying the couple was seen arguing and not paying attention, even the one at fault attested to the same thing. Their car was apparently pretty well damaged from the bike with the driver's side being smashed in and the front bumper torn off. His bike doesn't look too bad, but I have no idea what the insides look like.
The claims adjuster is coming to assess his bike today. We have collision insurance on the bike but not uninsured motorist insurance, which sucks. Collision insurance has an $800 deductible. So if I understand correctly, collision insurance will cover any repairs needed for his bike after we pay $800? What if they total his bike? Will we just get a check for what it's worth?
I don't imagine it makes any sense to go after any money ($800 deductible) from the uninsured driver since they most likely don't have any money if they don't have insurance? Is it worth trying to do that if it comes to that?