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[–] cyclops1771 1 point 32 points (+33|-1) ago 

Insurance companies are regulated. Contact your state's Board of Insurance and file a complaint.

When being fucked over by a big dog, you call in a BIGGER dog.

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[–] 2716057 0 points 8 points (+8|-0) ago 

This. I guarantee the insurance company will gladly pay a month of your rent instead of losing the ability to practice in your area. Easy call...

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[–] fuck_communism ago 

This is the right answer. Because you were a good guy, and not a parasitic scumbag claiming neck and back injuries you don't have, no shyster lawyer will take your case on a contingency basis. If you have to pay for a shyster lawyer out of pocket, it will cost you more than you will collect.

[–] [deleted] 0 points 13 points (+13|-0) ago 

[Deleted]

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[–] nakattack 0 points 1 point (+1|-0) ago 

Yup. Fortunately, the law doesn't favor liability insurers like it does other types of insurance. Any time you don't just drop it, they'll usually pay.

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[–] Caesarkid1 0 points 8 points (+8|-0) ago 

There are plenty of lawfirms that will take on a case like this for free up front and then just take a cut of the settlement.

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[–] sinjinsmythe 0 points 4 points (+4|-0) ago 

Yes, hire a lawyer.

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[–] firex726 0 points 6 points (+6|-0) ago 

Also hit Facebook and delete a gym. Wait...

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[–] 3581897? 0 points 7 points (+7|-0) ago 

His insurance is legally responsible for paying you even if he "disappears." They know it is way better to handle this out of court than for you to bring them into a lawsuit. I would just get firm, ask for a supervisor, keep calling, document EVERYTHING (timestamps of calls, duration etc.)

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[–] MCVoat 2 points 5 points (+7|-2) ago 

Get his address off of the police report, vigilante time.

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[–] Doomking_Grimlock [S] 0 points 2 points (+2|-0) ago 

Don't tempt me.

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[–] Big_Amish 0 points 2 points (+2|-0) ago 

OP if you tell me what state you live in (assuming you live in the US) I might be able to help you out with at least the medical expenses. I do motor vehicle accident medical billing for a living and with a little research I could potentially give you some advise. But I need to know what state to begin my research.

And if there's a police report on file, did the cops charge him with anything or give the driver a ticket? If the police aren't bringing charges look into pressing vehicular assault charges of your own.

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[–] Doomking_Grimlock [S] ago 

I live in Indiana. He was given a ticket, but no charges were filed. I don't remember being asked, but I know I would have said 'no' because at the time, I was certain this could be resolved without dragging the courts into it. Apparently that was childishly naive of me.

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[–] Big_Amish ago 

When it comes to auto insurance policies there are two different categories states can fall into: "no fault" and "fault". Indiana is a "fault" state. Unfortunately for you, this doesn't help you at all. The process you're going through to get recompense from the other driver is kinda your only option. If Indiana were a "no fault" state then you would be able to file a medical claim with any personal auto policy you have. I also handle billing in a "no fault" state and don't really know how things work in a "fault" state too well. You may want to look into filing a claim with your auto insurance if you have any anyway. Your auto insurance company could potentially help you pay up front for your expenses and then go after the driver's insurance for you. This would be especially easy for them as the police already assigned blame. But if your bike is your main mode of transport and you don't have car insurance the best I can say is good luck, and maybe see if you can find a lawyer that would take your case. You might need to go after the sumbitch for pain and suffering and punitive damages to get a lawyer to take you on though.

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[–] NedTaggart 0 points 2 points (+2|-0) ago  (edited ago)

As far as I know, if you have a police report and you have contacted the agency that has him insured, it is up to them to settle with you and then they can take up up with their client without your involvement.

I would recommend finding an attorney. I am betting that they would be willing to at least look at the case for nothing, especially f you have a police report, medical bills and a busted up bike. 3 grand is nothing to an insurance company, if the insurance company gets a letter from an attorney, for bills, damages and pain and suffering, they will probably settle. That's an easy 2k in the pocket for the lawyer and another 1k for you just for printing out a form, signing it and mailing it.

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[–] Doomking_Grimlock [S] ago 

The bike has been repaired, and I have a receipt for the work, but I didn't take any pictures. I've never been in this situation before, so I dropped the ball on a lot of things, I'm sure.

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[–] NedTaggart ago 

That's ok, the bills and police report should be sufficient. Call a few personal injury attorneys and i promise, one will listen.

[–] [deleted] 0 points 1 point (+1|-0) ago 

[Deleted]

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[–] Doomking_Grimlock [S] ago 

I don't actually have a lawyer yet, but the vast majority of commenters agree that I should find one. That combined with this post here, I think I have an idea of what my next move is.

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