I was involved in a accident on my motorbike on the weekend. Driver didnt look and turned straight into my lane forcing me to crash my motorcycle. Ambulance and Police were called. I didnt talk to the driver a young girl who said to me she didnt see me.
My question is my excess is $500 plus $300 as im a new rider. However that will be waived if she is found at fault. I went to the police station today and asked to see the report as i didnt get to speak to the police at the accident as i was taken away in an ambulance. All the office could tell me was she was fined for failing to give way. Is that fine enough to find her at fault of the accident?
The damage to my bike is around $500 so i dont want to pay a $800 excess only to be told later down the track shes not at fault and i wont get any money back.
How long does it take for an insurance company to investigate a claim? They told me on the phone to take the bike to the Honda dealer, they would assess it and order any parts. Once the parts are ready (its going to be a 2-3 month wait for parts from Japan) I would only have to pay if its found im at fault which im not.
Also the ambulance and hospital bill i was told i need to go through my third party insurer is that correct? As i will now be claiming for medical bills as my lower back is now damaged requiring physio treatment.
sorry i should have stated the police at the scene gave me the incident number which i have given to my insurance company. People did stop and help me get up but im unsure if the police took statements from them.