BrianM (Jolly Mean Giant) View all posts in this topic  
Tue Jul 10, 2012 3:20 pm
You start by contacting your insurance company...        

and giving them the details (police incident report number, her contact info and insurance info). This should have been done on Friday or Saturday actually, but too late for that now.

Each time you have contact with Anyone involved in this issue, document the time, the name of the person who speaks with you, the company (their/your Ins.), etc. Start collecting ads for substantially similar Ninja 250's that are for sale in your general area (up to about a 200 mile radius). Dig out receipts for anything non-stock on the bike, credit card slips work in a pinch. The whole process Should only take 2~3 weeks, that's from the time you call on it till the time you have a check in hand, including negotiation time. They are going to drag their feet as much as possible in hopes of wearing you down. If you are persistent (call, frequently) you can become the squeaky wheel and get faster resolution. If they are REALLY dragging their feet, draft up a letter to both Ins. Cos AND the state insurance commissioner (same letter, just CCed to all of them) asking for the commissioners assistance on speeding up the resolution. That is the agency that dictates who can, or can not, do business in a given state, doles out fines, etc... they are your advocate.

Chances are good that after the initial contact with your insurance, you will be dealing with hers. On the other hand, if you have full coverage, you can ask your insurance to pay you and they will then go after the other company (not all of them will do this, but it doesn't hurt to ask).

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