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Thread: insurance and costs after an accident

  1. #1
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    insurance and costs after an accident

    Some risks of riding are distracted drivers, wild animals, and debris. But, dealing with insurance should be added to the list of risks. Dealing with insurance can cause a lot of stress.

    I am in my 40's. I am a fairly new rider. I started commuting daily in May 2011, and have made 105 fairly safe city commutes in rain, hail, lighting, fog, wind and sun. My commute is 40 miles each way in city and suburban traffic. Until recently, I thought I was good rider. Now, I am not sure anymore. In fact, even though my insurance company labeled me as a 'safe driver'. I think I may win the 1D10T trophy. For example, even though my insurance was about $100 this year, I recently had a motorcycle accident.

    Never underestimate the gravity of an accident. Dealing with insurance may cause more pain then the accident itself. Recently while riding home from my daily commute I had put some scuff marks on a mini van in traffic. I figured this was going to be simple exchange. Like a fool, I admitted I was at fault. All the online guides say you are never supposed to do this. The other driver did not seem to realize that I bumped him with my extra wide saddlebag until I mentioned it. In fact, he had his window up and he was looking forward when I rolled up to his side and announced my folly. In hind sight, he may have driven away if I kept quiet for twenty seconds after putting my foot down and stabilizing the bike. Of course, the driver wanted to inspect the damage I did. We pulled over and he called the police to get an accident report. The police were surprised that I kept the bike up. They said maybe if talked with the guy he would settle it out of pocket. He said 'no'. He wanted to go through insurance. To the police this was a simple one. There were no injuries. Nobody needed immediate medical attention. There was no property damage. So, they helped facilitate the exchange of insurance information. Because I did not leave the scene, they did not issue a ticket. On the damage side, he had scuff marks where my BMW saddle bag hit. I had scratches on my bag. I was going less than 10MPH and the saddlebag got hooked. At the time, I knew I was in the wrong, but I was not exactly sure what I did wrong. I drove to my home town, reported the accident to my insurance agent. An hour later a claims agent called and I gave a statement as I remembered it. My claims agent called the other driver. Then, I reviewed my helmet cam. The helmet cam revealed all my mistakes. In my two minute journey from the parking garage to the impact, I made at least three judgement errors that I didn't realize. I was riding slow, but choose many bad positions. The last judgement error resulted in the accident. My mistakes did not stop after the accident. I announced fault. Much of my jabbering looked like thinking out loud on the video. I was trying to be helpful. However, I did not do the three things that may have protected me and my insurance company from a fraudulent claim. I did not ask the driver, if he felt me hit him. I did not ask the driver if anyone was injured. I did not identify the passengers of the vehicle. I did not ask the names and addresses of any witnesses in the area. The following day, I learned the other party claimed that he and all his passengers of the tinted vehicle claimed neck and back injuries. Although I have the accident on video, and I have photos of the damage my claims adjuster said 'do not be surprised if he gets something out of this'. I found a friend at work who investigated insurance fraud in his previous job, and he said 'do not be surprised if there is a settlement'. So there is another risk in accidents maybe many riders don't think about. The other driver might be out to scam you or your insurance company. If you don't have good insurance, you the loss could be more than just higher insurance rates.

  2. #2
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    The good news I found I have accident forgiveness. I just have to be extra careful for the next three years.

  3. #3
    Nickname: Droid
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    Good on you for being honest. But too bad some ***-wipe in a car figures he can screw the insurance company for a totally fraudulent claim. You did the right thing and this crook (that is basically what he is) uses the system to get money. If it could be proven he should be arrested for fraud. How could he possible claim neck injury for a 10 mph "brush" of a 600 pound motorcycle against a 4,000 pound car? Especially when by your description no plastic was even busted?

    I'm surprised the driver even had insurance.

    Guess this is proof that sometimes its better to keep your mouth shut.

  4. #4
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    This case is still active. The other party hired an attorney and claimed that 6 people in his minivan had injuries.

    Here are still shots from my helmet cam.

    pre impact:
    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink

    after impact:

    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink



    stopped
    https://picasaweb.google.com/lh/phot...eat=directlink


    Does anyone know how to calculate the maximum force of impact ?

    His vehicle weighs 4000lbs without people. With 6 adults, the gross weight would be around 4600lbs. My speed was between 3-10mph when my saddlebag got hooked.
    Last edited by LuckyGrownup; 01-15-2012 at 04:13 PM. Reason: adding photo links

  5. #5
    OldBMWMaster JDOCKERY132445's Avatar
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    Thanks for posting this

    I hope a lot of people see this and save themselves future misery.
    Jerry Dockery
    309 N. 3rd. Ave.
    Kure Beach, NC 28449
    1996 R1100RT main bike & 1985 K100RS...too fast to believe.

  6. #6
    Registered User cehlbeck's Avatar
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    Quote Originally Posted by LuckyGrownup View Post
    This case is still active. The other party hired an attorney and claimed that 6 people in his minivan had injuries.

    Here are still shots from my helmet cam.

    pre impact:
    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink

    after impact:

    https://picasaweb.google.com/lh/phot...eat=directlink

    https://picasaweb.google.com/lh/phot...eat=directlink



    stopped
    https://picasaweb.google.com/lh/phot...eat=directlink


    Does anyone know how to calculate the maximum force of impact ?

    His vehicle weighs 4000lbs without people. With 6 adults, the gross weight would be around 4600lbs. My speed was between 3-10mph when my saddlebag got hooked.
    Well as you know, it appears to be your "fault". But what an a**wipe he is as someone has said. There's usually a bit of space between that plastic bumper and what's behind it. And there's usually block styrofoam there to absorb an impact. With just scuffed and no broken plastic even on you neck and back injuries seem a bit embeleshed. I had a kid rear end me in my Mustang once and I couldn't find where he even hit me! He even hit me hard enough to push me forward while I was stopped.
    Chris Ehlbeck
    BMWMOA 168990
    Chris & Donna's Motorcycle Journeys

  7. #7
    Bill Lumberg 175781's Avatar
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    Good thread. Never make a statement proclaiming or denying guilt. I actually had a rider pull in front of me, make contact with my vehicle, but damage was minimal with no injuries. After the guilty party had been checked out, insisting that he was fine, and rode home 3 hours away, I thought it was over. A month later, the crackhead had evidently talked to a trailer park attorney and called cursing and demanding money because his back hurt and his wife was sick. Don't try to make sense of it.

    This led to over a year of stress, lawsuit, etcetera. Very stressful. Insurance company defended me to the nth degree. I can't say enough about my insurance company. But it was still living hell knowing there was a scam lawsuit hanging over me with fabricated damages which exceeded my cap. Wild to hear you had folks in a car fake injury.
    Last edited by 175781; 01-16-2012 at 06:51 PM.
    R75/6, 2004 R1150RTA.

  8. #8
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    Here is the crash video minus all the other mistakes I made in the beggining of my ride.

    http://www.youtube.com/watch?v=RoNVRa62g4s

  9. #9
    No Time to Hate wavery's Avatar
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    Lucky you have the 'tape' to show that no way is anyone in that van injured. Bad form though slicing through stopped traffic.
    Will
    87 K100RS

    Ride well my friends!

  10. #10
    Fourcats
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    tape...

    Yikes! Relative speed, relative distance and direction...just where were you going?? {maybe the tape just "looks bad" }

    ...how many "mistakes" do you make, per ride?

  11. #11
    Registered User chaseh's Avatar
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    Quote Originally Posted by LuckyGrownup View Post
    Here is the crash video minus all the other mistakes I made in the beggining of my ride.

    http://www.youtube.com/watch?v=RoNVRa62g4s
    Looks pretty obvious that he has no idea anything has happened until you said something.
    09 R 1200 GS

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