I had a motorcycle accident (I hit a car). The other driver is at fault. My bike will most likely be totaled, I went to the hospital, and some of my other stuff is broken. What will happen, and what should I be doing to make sure I recoup my damages?
I ride an older bike (a 1989 Kawasaki ZX7
), and today a car pulled out in front of me. I couldn't stop in time, and I hit their front bumper and went over my handlebars. Although I didn't get a good look at the bike before I got carted off to the hospital, I'm fairly sure that it will be totaled. My phone, which was in my pocket, and my laptop, which was in my backpack, are both broken. The other driver was insured.
I put in a claim with my insurance company this evening, and an adjuster is supposed to call me back tomorrow- I'm not sure how much I'm supposed to trust this person.
I know that the other driver will pay my medical bills (right?), and the cost of towing my bike to the impound lot (right?). What will I get for my bike? Will they have to pay the cost of replacing the bike? Will they pay the value of the bike as it was before the accident (which is probably less than the replacement cost)? Is the amount I receive a function of how much haggling my insurance company does?
As for my laptop and my phone, will they cut me a check for their value or their replacement cost? Will they want to keep the broken laptop/phone?
Should I be going around and pricing replacement bikes, or double-checking their repair estimates, or blah blah blah? I'm not sure how proactive I need to be through this whole process.
Thanks for any help - I'm new to this process, so please be gentle and extra-verbose.