Will their insurance pay? - Chicagoland Sportbikes
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post #1 of 4 (permalink) Old 07-18-2006, 03:46 PM Thread Starter
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Will their insurance pay?

I got hit by a driver who has insurance, and was ticketed for it (I wasn't), but I wasn't insured. (I stopped paying because I was selling that bike and took it out to run an errand ) Will the other person's insurance still pay me without a fight? Am I screwed by not having coverage when it wasn't my fault?

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post #2 of 4 (permalink) Old 07-18-2006, 03:58 PM
 
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Depends on the company but almost all good carriers will pay regardless of your insurance situation. There are really very few "shady" insurance companies that would not pay a claim where their insured is clearly at fault.
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post #3 of 4 (permalink) Old 07-21-2006, 03:22 PM
 
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You can deal with the insurance company yourself. My mom has done this twice. Each time she deals with the other drivers insurance company and they have never even known who her insurance provider is. Really it's not their concern. I did the same once as well when I got hit. It could be a pain because you have to fight for the money instead of your insurance company, but so long as the other driver is shown to be at fault...it should be no problem.
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post #4 of 4 (permalink) Old 07-21-2006, 09:57 PM
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Quote:
Originally Posted by LarryDallas
I got hit by a driver who has insurance, and was ticketed for it (I wasn't), but I wasn't insured. (I stopped paying because I was selling that bike and took it out to run an errand ) Will the other person's insurance still pay me without a fight? Am I screwed by not having coverage when it wasn't my fault?
Who was insuring the other driver?

I think you can count on some sort of a fight, if there's any doubt at all of either the amount of damages or the degree of fault involved (though since the other driver got the ticket, and you didn't, that helps with the second part), but they aren't allowed to refuse payment without a good reason.

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