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Question
Hello,
I had just left my house and not but a half a mile down the road and a dog crosses right in front of and I laid my bike down. I didnt hit anyone and no one was around. I called a motorcycle shop and they pick up my bike and took it back there shop. the mechanic was telling me I need to call my insurance company and file a claim. Can i still file a claim even though i moved the bike and didnt call the police? i didnt call the police because i didnt hit anyone. will my insurance cover the bike without a police report?
I appreciate your and knowledge thank you Israel.
Hello,
Depending on your policy, you probably would not have to file a police report to have the claim honored as long as no one else was injured. This repair would come under collision coverage. Report it to the company. Tell them what happened and it shouldn't be a big deal. The main point is as long as their were no injuries or property damage (other than your bike),
Good Luck!!
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thank you for being expediant and very helpful advise. i will be calling my insurance company immediately. | ||
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Answers by Expert:
Rob Painter, Ase, CFEI, CAFATE
Expertise
Please remember. I am not an attorney and cannot legal advice. My answers are based on my experience due to litigation I have been involved in as an expert, for both insurance companies and while oposing them opposing them. I deal with only comprehensive claims on autos related to fire and theft. I have even had the opportunity to rewrite policy coverage language as it relates to vehicle theft and forced entry for insurance defense attorneys.
Experience
Experience in the area: Working with insurance companies and attorneys on these issues for over 20 years. It is very common to have a reported stolen car with a so-called factory anti-theft system to have the theft claim denied. I have served successfully as an expert witness in the courts across the US representing the insured and their attorney revealing that the insurance expert did not take all known theories into consideration before rendering their "Forensic" conclusion. Many insurance carriers us independent "Forensic" experts to examine reported stolen vehicles commonly using flawed methodology implicating the innocent insured with the theft. My job is to determine if the insurance expert reached his conclusions based on accepted scientific principals or just net opinion with no basis other than opinion. My case record against such experts is very compelling.My resume can be seen at the catagory "Auto Theft and Prevention." In "Forensics" the scientific method must be employed. In the forensic locksmith field determining how a reported stolen vehicle was last operated, many processes cannot be duplicated and are conveniently not addressed. If they were, juries would have the opportunity to make a fair and impartial opinion at least about what the expert could or could not prove. There is a purported process determining the last key used. The chances of determining such is very rare uless the key is found in the ignition lock. Experts commonly destroy evidence as well and are rarely questioned on this event. I reveal the weakness in their testimony on such instances.
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