I was riding east on Roosevelt in Lombard, and just rolled to a stop at a red light in front of the on-ramp to 355S when a '02 Monte Carlo hit me from behind, which made me (briefly) airborn, and put the bike down hard on it's right side.
I managed to land on my feet and (unintentionally, of course) strike a very Todd McFarlane esq SpiderMan pose with no injuries, but the bike, while ride-able, has an initial estimate of at least 2K worth of damages. (Damn, those fairings are expensive!)
The guy presented the state trooper with an expired insurance card (same company as mine), and hasn't had an active policy since late last year.
Every time I stop I:
- Keep it in 1st and watch my mirrors until the car behind me is at rest
- Intentionally offset my lane position to the extreme left or right, thus giving me an escape route + it (in theory) gives a driver a bit of a window to avoid me
I was about to implement "1" when he hit me, but "2" was in place, and if he was paying attention he could have easily avoided me. He unconvincingly told the cop he "swerved to avoid a car", so I guess hitting me was a better option for him.
A fellow rider (in a truck) rolled up to the scene, helped me pick the bike up (thank you!), and said to the guy who hit me "I think you need one of these", and handed him a "Start Seeing Motorcycles" bumper sticker!
Given that he doesn't have insurance, I suppose the "best case" scenario is I don't recover my deductible, the bike gets repaired (or totaled?) under my uninsured motorist policy, and hopefully, my rate remains the same. I don't think he was issued any citations, and my insurer gave me the impression that there is little or no penalty for driving without insurance and crashing into a motorcyclist.
A few of my non-riding friends have mocked my practice of ATGATT, especially during the summer, when said gear includes an Alpinestars CE Level 2 back protector and riding pants, but I'm really glad I had it today (even though I didn't fully "test" it).