Originally Posted by yes
Doesn't one usually contact their own insurance company in these situations? Then the insurance companies figure out who is at fault and pays? What happens in this instance? The bike rider doesn't have an insurance company to call and fight it out for them.
You are right, the bike rider is on the outside of the equation here. I have called her insurance company and given my description of what happened, they will get her side and make a determination. As I understand it, if I don't like their determination I contact the police, press charges and we go to traffic court.