Clarification is in order...
OAP 1: Section 5 (Uninsured Automobile Coverage) or Section 6 or Section 7 (Loss or Damages Coverages) kick in here depending on the information on the 'other driver'.
This is a Hit and Run....
If the 'other driver' cannot be identified (either no information or wrong information or false information) then Section 7 (Loss or Damages ) kicks in and you have to have purchased 'Collision' coverage and the Collision ded will apply.
If the 'other driver' can be identified, but does not have insurance coverage, then Section 5 will apply and there is a $300 deductible.
If the 'other driver' can be identified and has verifiable insurance coverage with an Ontario based Insurance Company, then Section 6 applies and there is no deductible (unless there is one shown in the DC-PD section of your insurance certificate).
Read the OAP 1 wordings for each section. But the 4 steps listed below are good and imperative. Also, it is imperative that you make sure that all the information you have on the 'other driver' is documented in the police report AND documented fully to your insurance claims department (don't just rely on the adjuster to read the police report).
Also, not all H&R are NOT AT FAULT. If you were parked illegally for example. So take pictures of where you were parked and any posted signs in the area as well. The more information and documentation to support your position, the more your insurance company will look favourably on your claim. Also, the faster your claim will be processed.
Awww this kinda shizz makes me sick...good thing there are still decent pps in the world to help make up for the scum
The good thing , since you have a witness who got a plate, its a comp claim as a hit and run with a 3rd party 100% at fault.
1.You need to get the witness name and number.
2.get your bike to a collision centre in 24 hours
3. The police will take a report and contact the driver (at some point). Dont worry about this though..get a report # and thats all you'll need
4. Call up your claims service, report the hit and run
This is 0% your fault and it will not affect your rates.
That about covers what you'll need to do for now.
Good luck...its a pain in the *** ..especially so early in the season to be out of a ride =(
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