Quote:
Originally Posted by TIGGER
Whoa buckaroo! Last I knew,Mi's no fault laws do not apply to motorcycles. When I was rear ended,the other guy's bike insurance paid for my bike and my medical because he was at fault.
Now as far as gear goes,some companies include a preset amount of gear coverage and some don't. If I were you,I'd look at my bike policy very closely... do not just trust the adjuster's word for it! Also,look into your auto policy and your home owner's policy. A lot of times,homeowner's insurance covers losses not covered by auto policies,like stolen and damaged personal items. Also,since another vehicle was involved,you may be able to claim your medical bills,lost work and your gear against his policy regardless of fault. Make sure you at least call them and check. Trust me,his truck ran over your leg,they would be MORE than happy to pay a couple medical bills,work days and for some gear than the cost of a lawsuit,win or lose! Besides,if they owe anything based on ins. law,your ins will subrogate the money from his company after the fact. Quite frankly,that guy probably called his ins company and they may be just waiting for you to call them.
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I already have a claim into his insurance company for the medical bills. They are covering them all. Really it's not a big deal. The only gear that was damaged was the helmet. MY gloves are perfect not a mark on them. My jacket is in great shape once I washed it(It's textile). My boots, who cares, I needed new ones anyway. I'll call his insurance company and see if they'll cover my helmet. If not it's not the end of the world. Helmets are relatively cheap considering their function and I wanted to buy a new one anyway.
Oh and there was no fault cited in the accident since they calculated I was going 36 in a 35. The driver of the truck should have had a flagger at the top of the hill but he is required to have one. I spoke with a friend of mine who is a personal injury attorney and he told me that really unless there is some permanent physical damage they limits my ability to maintain my current lifestyle, I really don't have a case. The way the laws are written, You have to reach a minimum pre defined threshold of monetary damage, and it doesn't look like I would come anywhere close to that. I had an MRI on Sunday, so when I get the results back form that, then we will know if there is any further action I need to take.