he has no motorcycle license, dont know if he is insured or not, I have full coverage, also bike was impounded
2007-02-10 01:40:27 · 6 answers · asked by dlegeness 1 in Cars & Transportation ➔ Insurance & Registration
I let someone test drive the motorcycle I was selling. I took his drivers license from him while he test rode it. When he rode up the street he wrecked. No money was exchanged. Now the bike is totaled. I'm not sure if he was insured or not because he is in the hospital now. I do have full coverage but not uninsured motorist. Will my ins still cover my bike. The bike was impounded because he only had a drivers license and not a motorcycle license. If he was insured, will his ins cover my bike? Also, if nobodies ins covers my bike do I have a court case against him?
2007-02-10 01:55:48 · update #1
not sure what you mean, was it impounded after the accident, or impounded and someone let him test drive it? if the second, then the owner of the impound would be responsible,,,,,, if the first,,,, and you let him drive it without a license,,,,, then you would be,,,,,,,
2007-02-10 01:45:30 · answer #1 · answered by dlin333 7 · 0⤊ 0⤋
Good thing you got his DL number and such. Ultimately he is responsible in the eyes of the law.
Bad news I'm afraid is that if he does not have any insurance coverage you and your Insurance Company are on the hook, not only for your personal loss but his medical. I know that sounds unfair but unfortunately that's the way things happen sometimes. It's good that you have Insurance coverage though. I've seen situations like this where the person test driving a private vehicle will wreck it and then try and sue the owner. Sad but true.
Once the smoke from this has cleared you could if you felt compelled sue him for your losses. Unfortunately this person does not sound like someone who is willing to take any responsibility so your chances of getting any real money from a suit will be as pain-full as pulling teeth. Just make sure that you keep accurate records and details of all that has taken place, including items that pertain to insurance. You might need these later if insurance rates shoot up on you or if you decide it's worth the effort to sue.
Sorry about your loss and hope everything goes smoothly for you.
Take care
2007-02-10 11:07:39 · answer #2 · answered by deanspurrier 3 · 0⤊ 0⤋
You are the responsible party. You should have checked to be sure he had a license to drive a motorcycle. Since he didn't, there is a strong chance that your insurance will not even cover it. There is also the chance that you will be held responsible for the damage he might have caused. You are really in trouble here, buddy. I hate to say it, but where was your brain that day? Why one Earth would you allow someone you didn't know to drive your motorcycle at all, let alone without a license?? You are stuck with one remaining option. Sue the crap out of him.
2007-02-10 09:47:15 · answer #3 · answered by rainbeauclown 3 · 1⤊ 0⤋
Insurance goes with the vehicle, not with the driver. Since he had your permission to drive (didn't steal it, was testing it) it goes against your insurance. If you knew he didn't have a motorcycle license, your insurance may balk a bit, but nonetheless call and report the loss. Hopefully with full coverage it will also cover towing and storage.
2007-02-10 09:58:39 · answer #4 · answered by oklatom 7 · 0⤊ 0⤋
Your coverage would cover the bike, and should cover damages to the person who was driving it... Insurance follow the veh not the person... Your insurance may be able to go after him for damages to the motobike, but if he is not insured then your kind of S.O.L...
2007-02-10 18:57:37 · answer #5 · answered by D.L. 4 · 0⤊ 0⤋
I think you need an Attorney>>!!
2007-02-10 15:52:45 · answer #6 · answered by buzzwaltz 4 · 0⤊ 0⤋