Insurance Questions-need legal help - Sportbike Forum: Sportbike Motorcycle Forums
 
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post #1 of 4 (permalink) Old 04-19-2002, 11:01 AM Thread Starter
 
Join Date: Apr 2002
Posts: 3
Arrow 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!!!

Thanks,
Sean
hudd07 is offline  
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post #2 of 4 (permalink) Old 04-19-2002, 11:04 AM
 
Join Date: Jan 2002
Posts: 282
Did you say "pretty please"?

Dude, you don't have a chance in hell. LOL!

Yes, seek legal advice.
VFRSQUID is offline  
post #3 of 4 (permalink) Old 04-19-2002, 11:10 AM
 
Join Date: Apr 2002
Posts: 152
I doubt if any insurance co. has to cover a new vehicle, especially a bike, but it is in the contract if it's there at all. If you have no injuries that you need to collect on, you might consider trying to settle it yourself. It's not financed, right? Lawyers especially PIP ones are expensive and will try and collect a large percentage of any settlement. That amount is negotiable and you should hold them to the line. 20 to 33 1/3 percent including legal time spent on your behalf. Good news is most will consult on insurance cases for free or a very small consultation fee. Best advice get legal advice from an attorney there in the area where the accident occurred, he knows the law and your situation the best.
DIRTYCURTYD is offline  
 
post #4 of 4 (permalink) Old 04-19-2002, 12:06 PM
 
Join Date: Sep 1999
Posts: 1,408
Can't speak for all insurance carriers, but I know mine has a 72 hour clause in it...any vehicle I buy is covered for 72 hours after I buy it whether I call them or not...if I don't call them after that 72 hours, then I'm probably in crap, but I usually call as soon as I get home...

The other problem is that a lot of carriers won't insure a bike unless you have a car with them...sometimes its difficult to find a policy for just a bike...not impossible..I know carriers like country, progressive ( ), and a few others will do it.....
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