Hit by a car...get insurance invovled?
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Hit by a car...get insurance invovled?
Got hit by a car again today. I'm fine, but my ride isn't. The lady who hit me admits full responsibility and seemed very sorry about it; should I just let her pay me for repairs under the table, or should I get her insurance company involved? She was pretty shaken up, so I think she learned her lesson as far as being aware of cyclists on the road.
What have you fellow car-targets done in the past?
What have you fellow car-targets done in the past?
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Are you sure you're ok? Did you get bumped at all anywhere? If there's a chance, then get a check up first. It can take a little while for symptons to manifest. If it was the sort of thing where you're 100% sure you couldn't have gotten hurt (like you landed on your butt, are fine, but the bike got ran over) and her check clears, I'd personally be happy to just walk away with the money. I don't really believe in making it a legal/insurance/bureaucracy issue unless 1) you are injured 2) it was in any way malicious or 3) there's a chance that they will not cover your expenses.
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Yeah, I'm totally fine other than a few scratches. I didn't file a report, but I got all of her information and have contacted her through her cell phone a couple times today. I already gave her the bike shop estimate and she agreed to pay it.
Seems ok to me but I was just wondering if there's something obvious I'm missing that will eff me over down the road.
I'm in California, btw.
Thanks for the help guys.
Seems ok to me but I was just wondering if there's something obvious I'm missing that will eff me over down the road.
I'm in California, btw.
Thanks for the help guys.
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Originally Posted by Eddie Loves You
Yeah, I'm totally fine other than a few scratches. I didn't file a report, but I got all of her information and have contacted her through her cell phone a couple times today. I already gave her the bike shop estimate and she agreed to pay it.
Seems ok to me but I was just wondering if there's something obvious I'm missing that will eff me over down the road.
I'm in California, btw.
Thanks for the help guys.
Seems ok to me but I was just wondering if there's something obvious I'm missing that will eff me over down the road.
I'm in California, btw.
Thanks for the help guys.
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Her insurance company needs to know she's a dangerous driver.
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Are there generally timeline restrictions from the time of the incident on when you can file a police report?
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If her insurance company isn't notified within the specified time limits, and your insurance company isn't notified within the specified time limits, they can legally refuse to pay for your injuries. Do you want to take that risk?
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Originally Posted by Blue Order
If her insurance company isn't notified within the specified time limits, and your insurance company isn't notified within the specified time limits, they can legally refuse to pay for your injuries. Do you want to take that risk?
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Originally Posted by DogBoy
I believe that time period is fairly long though...something like 1 year from the date of the accident, but it varies from state to state. If she flakes in like a month its one thing...if she's dragging it out its quite another.
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I have no injuries, only mike bikey does. She said she'll pay me when she gets her paycheck in a week.
I'm not too worried about it. I have her name, number, licence plate #, insurance #, and I know where she works.
I'm not too worried about it. I have her name, number, licence plate #, insurance #, and I know where she works.
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Ask for a post dated cheque now, and thank her for avoiding the hassle of insurance and police reports.
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Eddie,
As long as your body feels fine, I think you are being quite smart and civil about this.
And maybe to your own benifit, as I have heard that getting fair money from insurance companies is often way more difficult for cyclists than it should be.
All things being equal, I try to avoid making those insurance companies any richer off of the misfortune of others.
As long as your body feels fine, I think you are being quite smart and civil about this.
And maybe to your own benifit, as I have heard that getting fair money from insurance companies is often way more difficult for cyclists than it should be.
All things being equal, I try to avoid making those insurance companies any richer off of the misfortune of others.
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Originally Posted by trickmilla
Eddie,
As long as your body feels fine, I think you are being quite smart and civil about this.
And maybe to your own benifit, as I have heard that getting fair money from insurance companies is often way more difficult for cyclists than it should be.
All things being equal, I try to avoid making those insurance companies any richer off of the misfortune of others.
As long as your body feels fine, I think you are being quite smart and civil about this.
And maybe to your own benifit, as I have heard that getting fair money from insurance companies is often way more difficult for cyclists than it should be.
All things being equal, I try to avoid making those insurance companies any richer off of the misfortune of others.
If she hadn't accepted full responsibility and made such an impression on me with her genuine regret, I would have reported it. Like I said though, she seemed very sorry and shaken up; I'm sure she'll be paying much more attention from now on.
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The man who hit my husband the first time seemed very nice, even brought my husband and the bike home. My husband took his name, insurance co name, address etc. but never got a police report. My husband contacted his insurance company and even sent them pictures of the damage to himself and his bike. His insurance company kept delaying doing anything, then finally after several months of calling and getting no respond, my husband was forced to file a claim in small claims court. Lo and behold if that didn't start a fire under them. They immediately wanted to settle. By then my husband was so frustrated with the whole thing he settled for a lot less then he probably should have. The man's insurance company said that it was 50/50 fault. If we had a police report I'm sure it would have shown the driver at 100% fault since he overtook my husband then immediately turned right across my husband path. This last time a police report was filed, just have to wait a couple more weeks to get a copy of it. My husband called our insurance company but they said that since it involved my husband's bicycle they didn't need to do anything. The bike has cosmetic damage to one pedal, the saddle and the handle bar tape (hopefully not the handle bar itself). The health insurance we have has covered the emergency room fees so don't know if the ladies insurance company will pay anything or not. We aren't really concerned about that since our cost have already been covered.
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Why would you get your bike repaired?
In all circumstances where there is an at fault driver and ANY damage to the bike it should just be replaced.
Not at depreciated value but full replacement cost. My argument is "Do you want to be riding the bike when some damage that wasn't identified at the time causes a crash?" I am sure the bike is fine but a shiny new one is even better, especially when someone else is paying.
In all circumstances where there is an at fault driver and ANY damage to the bike it should just be replaced.
Not at depreciated value but full replacement cost. My argument is "Do you want to be riding the bike when some damage that wasn't identified at the time causes a crash?" I am sure the bike is fine but a shiny new one is even better, especially when someone else is paying.
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Originally Posted by jit5
Why would you get your bike repaired?
In all circumstances where there is an at fault driver and ANY damage to the bike it should just be replaced.
Not at depreciated value but full replacement cost. My argument is "Do you want to be riding the bike when some damage that wasn't identified at the time causes a crash?" I am sure the bike is fine but a shiny new one is even better, especially when someone else is paying.
In all circumstances where there is an at fault driver and ANY damage to the bike it should just be replaced.
Not at depreciated value but full replacement cost. My argument is "Do you want to be riding the bike when some damage that wasn't identified at the time causes a crash?" I am sure the bike is fine but a shiny new one is even better, especially when someone else is paying.
Damage not identified at the time isn't the other person's responsibility. It's the responsibility of the bike shop you choose for the estimate.
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Originally Posted by littlewaywelt
It's no different than a car. You're not entitled to a new bike. You're entitled to the depreciated value of your current bike if it's totalled (not the replacement value of that bike, though it often happens), or the repair value.
Damage not identified at the time isn't the other person's responsibility. It's the responsibility of the bike shop you choose for the estimate.
Damage not identified at the time isn't the other person's responsibility. It's the responsibility of the bike shop you choose for the estimate.
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Yeah, I would have filed a police report. I had a friend get hit not too long ago. He was fine, but his bike was totalled. He had more in his bike than his car and he didnt file a police report either. He did get his bike paid for though by the lady who hit him, but you never know with people anymore. It's hard to trust anyone.
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Originally Posted by littlewaywelt
It's no different than a car. You're not entitled to a new bike. You're entitled to the depreciated value of your current bike if it's totalled (not the replacement value of that bike, though it often happens), or the repair value.
Damage not identified at the time isn't the other person's responsibility. It's the responsibility of the bike shop you choose for the estimate.
Damage not identified at the time isn't the other person's responsibility. It's the responsibility of the bike shop you choose for the estimate.
Happy riding,
André
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Originally Posted by jit5
Having been through this a number of times, I've always received full replacement value. I always involve the insurance company and say I will promptly sign the Personal Injury Waiver in exchange for a quick replacement of my bike. The adjuster is always more than happy to take the deal even if there is only minor cut and scrapes. BTW the relacement value is usually in excess of $5000.