Originally Posted by
John E
In your position, that is something I would have absolutely avoided doing, for fear of having my homeowner's insurance cancelled or my premium raised. The only time I would ever use my homeowner's insurance is if the house or its contents suffered multiple 10s of thousands of dollars damage.
The incident was not your fault, and none of your insurance policies should come into play, unless your insurance company is willing to subrogate.
That option went nowhere anyway. After my deductible, I was worse off than before.
Still working to sort this out. I probably have at least 3 weeks until my bike is out of the shop to resolve it.