My friend wrecked into a parked vehicle with my motorcycle. I don’t have motorcylce insurance, who is respondsible?
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UPDATED: Jul 12, 2013
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Insurance Question from Yukon, OK
Asked on 07/12/2013
My friend wrecked into a parked vehicle with my motorcycle. I don’t have motorcylce insurance, who is respondsible? The owner of the parked vehicle who my friend hit now thinks there may be damage to the truck. There was no visible damage to the truck as the accident occured at a low speed and only the rear driver tire was hit. My friend only has auto insurance and I have no motocylce insurance. Does someone need to file a claim?
Answer given on July 23, 2013
If you owned the motorcycle that caused the accident, then you would be responsible for the damages caused in the accident.You are correct that your car insurance will not pay for an accident caused by a motorcycle. You should have carried insurance on the motorcycle if you were going to use the bike, or let someone else use it.Your friend, who owned the damaged truck can file a claim with his insurance company for the damages. The deductible on his policy will apply. His insurance company may then come to you to reimburse them for the money they paid out. They may also try to get the money from the driver, but you are legally responsible for the damages.If the owner of the truck does not have insurance for the damages, he can sue you for the repairs. You may be better off having him get an estimate and see what the costs are. You and the rider of the bike might then pay for the repairs to the truck.Presuming the accident was not reported to the authorities, your insurance rates will not be affected, nor the driver of the bike. However, you need to get insurance on the bike if you are going to continue to use it.
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