Accident advice

[johnnie_c]

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Got into an accident with a car. I made the mistake of clipping the car. Police came to the scene of the accident but never took my side of the story..I guess reason was b/c I was on the ground with a paramedic tending to my situation... how will the police report affect my insurance and what recourse is there, if any, at this point?Just looking for advice...The claim has already been file as well..I have full coverage 1000 deductible so I'm going to let iinsurance take care of the bike as the damage looks to be more than 1000$

 

[UJelly]

Got into an accident with a car. I made the mistake of clipping the car. Police came to the scene of the accident but never took my side of the story..I guess reason was b/c I was on the ground with a paramedic tending to my situation... how will the police report affect my insurance and what recourse is there, if any, at this point?Just looking for advice...The claim has already been file as well..I have full coverage 1000 deductible so I'm going to let iinsurance take care of the bike as the damage looks to be more than 1000$

Did you get charged and under fault? You also made a claim. Think its going to affect your insurance prices next re-newal.

 

[TorontoBoy]

Were you at fault? If so, and I think you also admit it, your rider/driver rating will drop to 0/6 and will stay on your insurance record for 6 years. Your insurance rates will markedly increase next year, and progressively drop the next 5 years, until, hopefully insurance wise, you are back to where you were before the crash.

Were you hurt? Were you wearing your gear?

 

[johnnie_c]

I wore all the gear - just a couple scrapes through the jeans... good thing was wearing gloves, boots and jacket, (not a scratch on the helmet)

I didn't admit to anything though... the police never took my statement or came to me... all he asked for was my drivers license, insurance and ownership. handed back all the paperwork and gave me the motor vehicle accident form and then went on his way.

 

[Platinum Cycle]

Typical police, how can they make any accurate liability assessment without at least listening to both side of the story....
Your adjuster will need to make a determination on fault, in addition to the police report they will consider your version of events, the other drivers version of events, the evidence of any witnesses, the type of collision i.e. rear ender, t-bone at an intersection etc..they will also take into consideration the point of impact on both vehicles, the orientation of the vehicles on the roadway etc...

Bottom line is your insurance adjuster will be held accountable to make a proper liability decision and will consider all pieces of evidence that help make a conclusion.

 

[johnnie_c]

Thanks Platinum Cycle..I really appreciate your comments^

i guess this was caused non other than my newness...

 

[VifferFun]

johnnie,

I know that you sent me a PM asking me to respond, but Platinum_Cycle has already explained everything. He's knows infinitely more about claims specifics than I do.

Just as an FYI, you may find the Fault Determination Rules helpful:

http://www.e-laws.gov.on.ca/html/regs/english/elaws_regs_900668_e.htm

 

[niagara_ridder]

Must insurance companies assess fault based on written rules. I have attached a link so that you can review and figure out where you sit

http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

 

[johnnie_c]

Thanks everyone for helping me out.

Really appreciate the links Viffer/niagara

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