Insurance Questions-need legal help
I just purchased a new bike three days ago and have not reported it to my insurance. I had full coverage on my last car which I sold to get a bike. I was in an accident where at the scene the driver admitted fault, he pulled over to the right side, as I passed him he turned left right in front of me and I flipped over his car. My problem is that my insurance company, Mercury Casualty Company, is saying that they do not cover bikes so they will not represent me in this case. I thought that within thirty days of buying a new vehicle they had to cover me. My question is what do I do? They lady at Mercury told me to call the other drivers insurance and ask them if they were going to pay for my bike since he admitted fault. I don't know what I should do. Should I get a lawyer involved and go after his company or go after mine to represent me? This happened in Tempe, Arizona and my insurance is a California based insurance company. Please help!!!