Just got a call, well 2 calls and some emails.
1. The insurance Rep that denied my medical claims sent me (on my request) my denial letter and coverage report for uninsured auto coverage. The denial letter lists reasons that I would be covered, and the fourth one down is 'as pedestrians hit by any motor vehicle or trailer'. I am anxiously awaiting the call from her, I would love for her to tell me I am not a vehicle, nor a pedestrian....
2. My claims adjuster (different from
#1 ) called and let me know he got in touch with the owner. She
said she has insurance but would like to pay out of pocket so her rates don't go up (which they'll obviously go way up for the non-DL driver). She wants me to call her, which I tried and am waiting for a call back. I do not want to go down this route, though, as I have no idea how much my medical bills are at this time (nor do I know if I have some hidden injury, though I highly doubt it).
Originally Posted by
Reynolds
Even if the owner has insurance, it wouldn't cover damages caused by an unlicensed driver IMO. You (or a lawyer) could tell the owner you'll sue her unless you reach a satisfactory arrangement, maybe she prefers that to being sued.
If i go through insurance, I don't know why the owner's insurance would not cover not only my medical, but also my bike...