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Hit By A Yukon on 880

Incarnadine said:
So bottom line is that she only has to pay the blue book value of my bike right?

Also, does anybody know how much I can claim for injuries? I didn't go to the hospital, but everybody knows that you don't get hit by a Lincoln and just get up and walk away.
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I'd hire Johnny Cochran and sue for a million bagillion.
 
Dude... I think I saw you when I was riding home on 880-N. Your bike is blue right? I was going to come back around and see if you were ok. I saw the entire front end of the bike gone. Glad you're ok.
 
if you contacted her insurance, and had a police repor and she's sited as at fault, i guess the only thing you can do is wait until she works out her insurance?
 
Ask her to pay for it out of pocket. Or get her to argue with her insurance company. You don't just whack somebody in your uninsured car and get to walk away because you didn't pay your bills.

Lincoln Navigators are big money cars and good-looking women are never broke. Give her a chance to pay up, then calmly let her know that she'll probably lose the money after spending a day in court anyway.
 
I have heard a few times people saying we should all have comprehensive + un[der]insured + low deductible insurance.

There is a rule to this you are forgetting: You should only insure what you can't afford to replace. The reason we all (are supposed to) have liability is that there is a potential for the costs to be beyond our means. The potential loss that is covered by comprehensive etc is the cost of your bike.

The math only works out in your favor over all if you have a higher than average likelihood of getting hit by an uninsured motorist or getting your bike stolen.

Unless this is you (and I'm not saying it isn't :twofinger ) I think most of us would be better off with just liability and saving the rest of the $$ we would be spending on insurance saving for a new bike in the case of something happening to the one(s) we have. Or beer.
 
True, but for me, my insurance was only $15 a month differnce between full and liabililty, so it would take me a long time to save up the difference.
 
You guys have been a big help for me. I looks like the smartest thing to do is contact her and try to settle this outside of court, since settling it in court will just take longer, but result in the same outcome.

I will keep everyone posted on the progress.
 
Man, just fax her a copy of the police report and circle where it says she's at fault. Then ask her how she would like to proceed.

Does she really think that she doesn't have to pay for tossing your ass across the freeway? Insurance or no insurance, biotch needs to pay.
 
Plus Plus Plus on uninsured motorist coverage.

One other great side-effect is it gets your insurance company interested. EG, the GF was rear-ended (doing ~1k damage) in the Hamstermobile by an unliscenced, uninsured, illegal alien driver.

State Farm UM coverage not only covered the repair, but they went after the registered owner of the vehicle and offered to tack on any additional claim beyond what their costs were.
 
fast4d said:
IIRC, uninsured motorist coverage is to pay for your deductible if the other party doesn't have insurance. you need full coverage to get it.
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Not with State Farm: You can get UM coverage for both injury and property damage WITHOUT full coverage.

The property damage UM coverage is low (usually $5K max), but thats fine, because you really want it for the injury coverage.
 
joem said:
Unless this is you (and I'm not saying it isn't :twofinger ) I think most of us would be better off with just liability and saving the rest of the $$ we would be spending on insurance saving for a new bike in the case of something happening to the one(s) we have. Or beer.
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This is clearly NOT true for UM bodily injury coverage, and it really SHOULD be $100K+.

Look at it this way: Bike vs Car: ~2/3rds the time its the car's fault. ANd if you get injured, even if the car does have insurance, you can easily blow through their dinky $20K state mandated liability policy with your medical bills.

Heck, a simple broken leg produces far more than $20K in medical bills these days.

I believe in high deductible, only high theft or new bikes have comprehensive coverage, but UM is in another caterogy. Every rider SHOULD have a $100K UM policy. If not, you're risking bankrupcy because some asshat ran into you.
 
Incarnadine said:
I remember another biker helping me up. Oh wow you are right, it was a Lincoln Aviator that hit me, not a Yukon. I just double checked the police report. Jesus, she must have hit me harder than I thought! Dude, I owe you. When I get back on the road we should go for a ride and some good food after. You like Blank Angus or the Outback? It's on me:thumbup
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lol, no worries man. :thumbup
 
AkatomboR6 said:
if you contacted her insurance, and had a police repor and she's sited as at fault, i guess the only thing you can do is wait until she works out her insurance?
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Really BAD advice. Never 'wait' on them. she could move by the time you finish waiting.

Take the good advice you received and run with it, don't walk, run!!!!!
 
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