Could you illuminate us with a proper explanation of why you think like that?

 

Not sure how it works where you live but in Canada, You contact your insurance company and they pay you, then they go after the other persons insurance to re-coup their money.
You do not deal with the other person insurance company at all, Thats what we pay the brokers to do.

 

Well, this is the case when you have got full coverage I guess. In my case, I just have third party coverage.

 

Hebbo, though you only have liability (one way) you should able to go thru you insurance as your representative. You must report your accident, and your insurance should help you find claim against the other party (whom is at fault) insurance. Since it is only material damage..now if there were body injury in such case as....you'll need to get a lawyer to sue other party insurance.

Since only material damage...you can claim other party insurance directly or have your insurance co. do it for you....

 

Unless you live in a "no fault" state then you have no obligation to involve your own insurance company nor should you unless you have no recourse thru the liable party. IE: Last resort. Going thru your personal insurance in a claim, at least where I live, makes you liable for any up front deductable charges prior to settlement , puts the claim on your personal record, "will" have long term effects on your assumed risk as an insurance holder to your current insurance company and to those evalutating you as a risk in the future as well as logs the incident/claim into the vehicles record for use during furure title/accident searches.

I have never done it unless there was no other options. Long term even paying out of pocket may be a better option depending on cost. The Ins company 'will' get that money back from you eventually over time. The less they know , will always be better for you.

 

Yes, you may be right. I am not obligued to go thru my Ins, but certainly, this is what insurances are for. This is one of the services you have paid for.
Certainly, I thought this was not considered as a claim that they can take into account when renewing my policy. How could they take this into account to increse my annual fee if this was something out of my control. I mean, I havent crashed against anyone or anything. My bike was on the street, and someone knock it down.
To be honest, I have no idea about whether this will result in an increase in my fee but if so, it is just ridiculous! I will ask.

Anyway, I always thought that insurances are there to be used. I hate when someone crashes his car or make any damage to another car and they just run away giving no details.

 

suggestion just that, it is your job as a responsible adult to do your own research with found information and trial. there are FAR GREATER saftey issues with a motorcycle then bar weights! proper tire, tire fitment, tire pressure, chain ( proper chain) sprockets, brakes and the key suspension. life and death estate... really , never heard of any one crashing or perishing from bar end weights!!! imo they"re ugly and useless just a suggestion, the bike will work properly with or without them... enuff said

 

Now I know why insurance is so cheap in the states lol.

I was in the same scenario as you and went through my insurance and paid no deductible, got a rental car free, and had a $3700 cash payout to repair my bike and it didn't effect my insurance at all. I just called my broker and they took care of everything for me.

 

Might be different in different places but you filed a claim , they handled it, doesnt matter whose at fault. Your now a greater risk to file.

No doubt that's what your payed for but its also why you pay what you pay.


The guy that hit you payed for the same thing too BTW.

 

No where in the USA that I know of offers no deductable. Now you might get it back when they recover but you always pay up front here first.

As for the effect on insurance cost, that will depend on what your rating is now and what your paying already.

I've got full coverage on all my newer bikes and with my rating and history each bike costs me less than $20 a month. But I do have $1000 deductables.