- Nov 14, 2008
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Was stopped waiting to take a right turn on the Harley when a young man rolled into me from behind. It was very slow, 2-3 mph and I left off the clutch right before he hit, but enough to break my LED tail light. Wife and I were on the bike, no harm to either of us. It was around midnight, he didn't seem drunk or anything and he was very cooperative and just said he wasn't paying attention because his friends in the car were distracting him... so I didn't call the cops even if they would have come for such a minor argument. Got his tag info, and took a picture of his drivers license since he said he did not have insurance info on him and its his mother in law's car.
Spoke with him today (2 days later) after inspecting my bike and told him he had actually bent my turn signals in the back, as well as slightly buckled the rear fender. Told him it would likely be ~1,000 or more, but offered to get estimates and not report it. I think he was a little shocked at the cost (Its a harley!) so he said he would talk to his parents about the insurance since it was their car. He called me back 2 hours later and gave me their full insurance info and said I should work through the insurance company.
So far so good, but I'm looking for some advice. Should I call my agent, or my insurance, and report it to them, or just do it through their insurance company? I'll obviously have the bike thoroughly checked over to make sure there is nothing else wrong but as I said it was quite minor. I'm interested in protecting myself as much as possible, but not screwing over the other person (I'm not going to claim my neck hurts, etc.). Any advice as to how to handle it? My gut says just work through their insurance, but then I don't seem to have anyone looking after me.. but reporting it to my insurance seems like it could impact my coverage as well even though the other person was completely at fault.
Spoke with him today (2 days later) after inspecting my bike and told him he had actually bent my turn signals in the back, as well as slightly buckled the rear fender. Told him it would likely be ~1,000 or more, but offered to get estimates and not report it. I think he was a little shocked at the cost (Its a harley!) so he said he would talk to his parents about the insurance since it was their car. He called me back 2 hours later and gave me their full insurance info and said I should work through the insurance company.
So far so good, but I'm looking for some advice. Should I call my agent, or my insurance, and report it to them, or just do it through their insurance company? I'll obviously have the bike thoroughly checked over to make sure there is nothing else wrong but as I said it was quite minor. I'm interested in protecting myself as much as possible, but not screwing over the other person (I'm not going to claim my neck hurts, etc.). Any advice as to how to handle it? My gut says just work through their insurance, but then I don't seem to have anyone looking after me.. but reporting it to my insurance seems like it could impact my coverage as well even though the other person was completely at fault.