cOoTeR Posted June 26, 2011 Report Share Posted June 26, 2011 Ok a guy I know just bout a sweet cruiser. Tonight he let his dad ride it. 3/4 through a turn his dad panics hits the brakes and stands it up goes into the ditch attempts to hit the ditch straight and ends up dumping it at a slow speed in the grass his dads ok possible broken collar bone. The bike headlight shoved back and to the right, right half of handlebars bent slightly front turn signal hanging possibly damage to the risers (forks seem straight) possible paint scratches. My friend rode it home no issues, no report. What should he do fix it up and hope the costs aren't more than his $500 deductible? Or claim it on insurance? Can he with no report? Link to comment Share on other sites More sharing options...
Sniper_308 Posted June 26, 2011 Report Share Posted June 26, 2011 You could file a police report, it will back up your Ins claim. But, fair warning, the police may write the operator for "failure to control". If it's OSP, they will for sure. You may want to eat some crow, and pay out of pocket. You could also cause your Ins to go up. Keep your dad off your bike :-) Link to comment Share on other sites More sharing options...
twisted12 Posted June 26, 2011 Report Share Posted June 26, 2011 Ok a guy I know just bout a sweet cruiser. Tonight he let his dad ride it. 3/4 through a turn his dad panics hits the brakes and stands it up goes into the ditch attempts to hit the ditch straight and ends up dumping it at a slow speed in the grass his dads ok possible broken collar bone. The bike headlight shoved back and to the right, right half of handlebars bent slightly front turn signal hanging possibly damage to the risers (forks seem straight) possible paint scratches. My friend rode it home no issues, no report. What should he do fix it up and hope the costs aren't more than his $500 deductible? Or claim it on insurance? Can he with no report?i just did it with no report was no problem at all. insurance co never said anything Link to comment Share on other sites More sharing options...
MidgetTodd Posted June 26, 2011 Report Share Posted June 26, 2011 Have your dad pay for it. And you do not need a police report for an ins claim Link to comment Share on other sites More sharing options...
600ZZ4eb Posted June 26, 2011 Report Share Posted June 26, 2011 Have your dad pay for it. And you do not need a police report for an ins claimDitto, when I crashed on 555 I never did a police report and ins covered all the repairs. Link to comment Share on other sites More sharing options...
cOoTeR Posted June 26, 2011 Author Report Share Posted June 26, 2011 So my friend should tell the insurance he was riding or his dad? Link to comment Share on other sites More sharing options...
MidgetTodd Posted June 26, 2011 Report Share Posted June 26, 2011 You should tell them the truth. Your ins will pay for it then send his ins a bill and you wont have a deductible or a rate increase Link to comment Share on other sites More sharing options...
cOoTeR Posted June 26, 2011 Author Report Share Posted June 26, 2011 He's pretty broke right now so I don't think I can do that to him. But I don't need a claim? Should I call my insurance agent on Monday or the 1800-imf-uckd number today? Link to comment Share on other sites More sharing options...
MidgetTodd Posted June 26, 2011 Report Share Posted June 26, 2011 Don't matter if he's broke his ins will pay not him. And call whenever you want. Link to comment Share on other sites More sharing options...
cOoTeR Posted June 26, 2011 Author Report Share Posted June 26, 2011 Ok. Thanks guys. I'll go in and talk with my agent tomorrow. Link to comment Share on other sites More sharing options...
Scruit Posted June 26, 2011 Report Share Posted June 26, 2011 (edited) I have filed insurance claims without police reports. No problems with that.In an accident with another person (not family) I'd always get a police report to force them into stating their case at the scene rather than giving them time to come up with a fake story.I was in an accident with another car that was my fault. I told the lady that I was not going to call the police myself becuase I'd get a ticket, but she was free to call the police if she wanted. Both cars had only cosmetic damage and liability was indisputable, so we just exchanged info. BUT after the fact I realized that without documentation of the level of damage and lack of injuries then the other driver could easily pad her claim. That was a nervous couple of weeks. In that case it worked out, we both were honest in the claim and her damages were paid quickly. I will always do a police report in the future, even if it was my fault, because that $150 ticket could be nothing compared to a bogus injury claim that I'd have no way to dispute. Edited June 26, 2011 by Scruit Link to comment Share on other sites More sharing options...
conn-e-rot Posted June 26, 2011 Report Share Posted June 26, 2011 1. If I was your buddy I'd be pissed cuz you were dumb enough to ask on a public forum if he should commit insurance fraud by lying and saying he was riding.2. Just tell them the truth it will get fixed.3. Keep your "buddies" dad of other peoples bikes Link to comment Share on other sites More sharing options...
Wicked1 Posted June 26, 2011 Report Share Posted June 26, 2011 Tell your buddy to man up and take care of his $hit. Why are you worrying about your buddies personal problems? wink wink. Link to comment Share on other sites More sharing options...
John Posted June 26, 2011 Report Share Posted June 26, 2011 wtf kind of thread is this? its his freakin dad for chrissake! im sure they can figure out something that will work for everyone. Link to comment Share on other sites More sharing options...
conn-e-rot Posted June 26, 2011 Report Share Posted June 26, 2011 If your worried about the insurance co then just go on ebay and buy the parts Link to comment Share on other sites More sharing options...
castellilaw Posted July 1, 2011 Report Share Posted July 1, 2011 call his insurance company police reports are not required Link to comment Share on other sites More sharing options...
cOoTeR Posted July 1, 2011 Author Report Share Posted July 1, 2011 Insurance was called. The bike is sitting at pony powersports now waiting to have the estimate written up. Link to comment Share on other sites More sharing options...
RFM Posted July 1, 2011 Report Share Posted July 1, 2011 Somebodies dad needs a beat down, that's all I'm saying. Make sure that sort of noobery never happens again. Link to comment Share on other sites More sharing options...
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