The saga of my toppled motorcycle continues. Without going into all the gory details that consumed at least two other threads in the past 3 months, here’s my situation.
My bike was parked on the street. While I was not around, a driver tipped it with his car, inflicting some damage on one side. I managed to track the driver down through a witness. In a signed letter the driver finally admitted to toppling the bike, and said that I should send him the repair bill; he and/or his insurance would pay it. I had the repair done and sent him the bill with full documentation.
Now he is balking at reimbursing me. But he did put me in touch with his insurance agent. The agent – who seems to sympathize with my plight – has tried to convince the driver to pay me my repair money – but to no avail.
Now, here’s my question. The agent claims that she can not submit a liability claim to the driver’s insurance company without the driver’s permission. Is that true?
In New York State all drivers are legally required to carry liability insurance. How can the driver or the agent deny me – as the victim – access to that protection since the driver is unwilling to pay directly? Isn’t that the reason it’s there in the first place?
NOTES: 1. The driver and I live in NY state; the driver’s agent is in Connecticut, if that matters. 2. Neither the agent nor driver will tell me the name of the driver’s insurance company (though I do have the policy #). 3. I do not have collision coverage on the bike, so I doubt that my insurance company can be of any help.