I was hit by a car while riding my bicycle, how do I get his insurance to cover the damage?
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UPDATED: Mar 29, 2012
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Insurance Question from Brooklyn, NY
Asked on 03/29/2012
I was hit by a car while riding my bicycle, how do I get his insurance to cover the damage? While I was riding my bike, I was hit by a car (I was not at fault). My bike is broken now and I had to go to the hospital. The police accident report does not provide the driver's insurance information, instead they told me to send it to my insurance company. The only insurance I have is health insurance (I am a college student), but why would my health insurance care about getting him to pay for the damage to my bike? I want his insurance to pay both for my hospital bill and the damage to my bike. How should I do this if I do not have is insurance company's information?
Answer given on March 31, 2012
Usually a police report in an accident is obtained by the insurance company. In your case, since you were on a bicycle and do not have auto insurance, you will need to get the insurance company information for the driver so you can file a claim.You should call the police department which filed the report and explain you need the insurance information for the driver of the car. Explain that you do not have auto insurance, so you cannot get an insurance company to obtain this information. The police should be willing to provide this information to you.You could also call the driver of the car and ask him for his insurance information. He is probably aware to you will be filing a claim, so he should be willing to provide this information to you. If he is unwilling, continue to follow up with the police for the insurance information explaining the driver will not give you the information.
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