Insurance claim after hit by car

As far as the race you have coming up, rent a bike.  It'll be fine.

As far as training, use a stationary if you have access to one.  I assume you swim at a gym but that may not be the case.  and then if you have to, rent another bike for your races down the line.  I have been doing tri's for 3 years and do not own a bike, so it is by no means necessary.

As far as the insurance companies, I don't know that they would cover, but it's worth an ask.  I doubt it though.  If they don't, and you miss a race, I'd claim the entry fee as part of the cost of the bike.

call your insurance, and let them duke it out for you...if you HAVE the cash you should be able to buy a bike and get a reimbursement when they settle everything out.

not sure if this would fall under your homeowner's or car insurance...i am almost positive my homeowner's policy would handle something like this as damaged property.

Insurance claims adjusters are not your friends. They will delay, lose paperwork, fail to return calls, and give misinformation. It may be due to high work load, but it may even be intentional. They are also suspicious that every claim they receive is inflated and the claimant is out to defraud them.

If you become frustrated and give up, that is a good outcome for them. It is better to let your insurance company fight these battles. They are professionals. Your job is to document everything with police reports, receipts, multiple estimates for repair, pictures, etc.

If you chooses to deal with the insurance company yourself, log every phone call and the name of every person you speak to. Try to get everything that they commit to in writing or in email. Ask for legimate reimbursable documented expenses and stick to it.

Insurance companies will eventually pay legitimate costs but they do not make it easy.

TW

One of the most important things you can do is keep detailed notes on what happened, every call you made, who you spoke with, what was discussed.

Contact your home & auto carrier. If you sustained any injuries at all your med payments on your auto policy should cover them up to the limits you carry.

Get a copy of the police report when it becomes available.

Contact the state insurance commission and see if this is standard that an adjuster will wait up to 30 days to even begin to do anything.

Pending on the amount it will cost to replace your bike and cover other damage and the time it's cost you due to the other persons negligence (assuming he is liable) you have the option of filing a small claims case against him as well.

Your insurance and more than likely auto carrier should be able to provide you some guidance, talk with your agent and see what advise he gives you.

Keep track of everything, costs, all phone calls and note how much time you've spent on each.

I am not sure about the bike and insurance part but I am glad to hear you are ok.

I would suggest, amongst what everyone else has said, to follow the old addage, "the squeeky wheel gets the grease." If you keep at it they will have to follow through. Good luck and let us know how it turns out and what worked/what didn't work. That we if it happens to me I can fall back on this

I agree that you should use your own insurance to replace the bike and accessories and handle your medical bills.  You'll be out your deductible, but they might be able to recoup that once they deal with the other insurance.  Your own insurance will help you much faster than the other and has a whole legal department that squares off against the other big guys for a living.  Hopefully you have insurance, a police case number, and a claim number from the other insurance.

AND, I'm glad you're alright, but I would go for a full exam at your doctor's since injuries have a way of surfacing some time after the accident.

Yes, insurance fraud is the answer..

BTers, I was involved in an accident just over a year ago. I
slammed into the side of a moving SUV that blew a stop sign; Drivers' fault with witnesses- he also left the scene and was later arrested. anyway, I ended with surgery on my right shoulder and rehab, coulda
been a LOT worse. Just now really getting back to some easy training. What I did learn from this experience is that my auto insurance covered me.. I am sure policies vary. Had my brother in law not been in the insurance business, I
would have not even inquired and just used my healthcare insurance to cover. My auto insurance (I am in a no fault state) covered the damaged bike, my lost wages, time out of work, etc., medical bills which were quite substantial. I
hope none of you have to go through this, but it is worth a call to your local agent to know what type of coverage you have.

Good Luck, glad you were not injured!