Expert: Richard Hixenbaugh - 9/22/2009

Question
I have a claim in on my motorcycle that I hit with my girlfriend’s car.  Both vehicles suffered damage.  The motorcycle suffered more than the car.  I called my insurance company and since the policy for the bike and car are under separate names and addresses the insurance company said it would be covered. Due to the bizarre circumstance the insurance company sent out an investigator.  He claims there is not enough damage to the bike to match with the story and is leaning towards a denial.  I am wondering what other remedies I may have? L Obviously I do not want to sue my Girlfriend but I would like to get the bike repaired.

Many Thanks
Phil

Answer
HI Phil,

You can either put a claim i on your own bike insurance if it is covered for physical damage or you will just have to fight your girlfriends insurance. They can not deny the claim just because they do not feel the damages match up. If they try to do that, you should demand that they put in writing the exact reason for the denial. Then at least you will have a basis for argument.

I hope this helps
Richard Hixenbaugh