0
Insurance companies are funny about "phantom vehicles." Some ignore them entirely, while others base their entire liability decisions on them. (My feeling is that unless there's substantial proof, like damage on a vehicle struck by a "phantom," they should be ignored).
If you have full coverage on your vehicle, go ahead and make a claim. Your insurance company can then do all the grunt work for subrogating and/or arbitrating the motorcyclist's carrier (fancy terms for getting their money and your deductible back). Your insurance company shouldn't consider this accident an "at-fault" loss, though sometimes that has little to do with your rates being affected.
If the reporting officer included a statement on his police report that he saw no evidence of clipping to the motorcycle, your insurance carrier has a good chance of winning the claim if it goes to inter-company arbitration. Arbitration is a way of keeping minor claims like this from clogging up the court system, but it's also at the discretion of your carrier. More than likely, though, if your carrier feels it has a good case, it will pursue arbitration.
And, if you don't have full coverage, you'll have to pursue the claim via small claims court. It'd be worth it, and it's also a good learning experience. :)
Good luck!
Still curious? Ask our experts.
Chat with our AI personalities
Ezra
Coach
JordanAdd your answer:
Earn +20 pts
What do you call a claim without evidence?
An unsubstantiated claim. An unproven claim. Quackery. Conjecture.
Will insurance help you with a claim if you only have liability?
Yes, they will help you with a claim. Find out what yo are covered for. Liability means there is no physical damage coverage for the vehicle.
Why was Wayne la Pierre medically deferred from military-service?
As I understand it this claim (that he was declared mentally unfit for military service) is unsubstantiated.
When would you pursue a products liability claim?
when it is not made rght
Did Obama have gay sex in the back of a limousine?
There is no credible evidence to support this claim. It is important to rely on factual information and not engage in spreading unsubstantiated rumors.
What is homeowners liability insurance for?
The liability portion of your home insurance policy provides protection in the event someone asserts a claim of liability against the homeowner for damages or injuries.
Can you make a claim on your own policy?
Unless it's liability only
Can you have both criminal and civil liability at same time to claim?
Yes, you can.
What are the claim procedure in liability insurance?
The same as any claim. You just call the insurance company and notify them of your loss. If coverage is available then they will assign you a claim number and begin to process your claim.
What is the meaning of contigent liability?
I liability that may be incurred depending upon future event(s) Example- let there is a claim on a company existence of that liability is depends on decision of court so existence of that liability is uncertain so we can say that contigent liability is that liability which may occur or may not. ..
Is it illegal to have two liability policies on one property?
Generally, no. However, if there is a claim each should be informed of the other policy and they will share the liability.
What is the meaning of contigency?
I liability that may be incurred depending upon future event(s) Example- let there is a claim on a company existence of that liability is depends on decision of court so existence of that liability is uncertain so we can say that contigent liability is that liability which may occur or may not. ..
