Originally Posted by
McBiggity
Ok, here goes.
I may have missed the accident description but from what you are saying, seems like someone either pulled out or turned left in front of you. You most likely locked the front wheel and went down and may or may have not made actual contact with the other vehicle. That other vehicle will still be more responsible for the accident. You may have some comparative negligence assessed against you as you locked the front wheel (improper braking)etc...
You have collision coverage. Your bike should be covered at 100% of it's value. Not what you feel its worth, it's actual cash value. Your deductible should be waived.
Your gear will have to be paid under a claim against the other drivers Property Damage Coverage. Now they will pay for the gear minus whatever liability percentage they may have decided is on you. Again, this is negotiable as is everything in claims.
Your own Personal Injury Protection does not apply as you were on a bike. If you have Medical Payments coverage, that will help to paying for your medical bills.
Your Bodily Injury claim will go against the other drivers coverage. You were on a motorcycle so you are TORT from dollar 1 of medical bills. Once you are completed treatment and are back to where you were before the accident(or as close as you will get) then you submit your claim. This will include lost wages, missed time from work, pain & suffering. This claim is also negotiable. An attorney will negotiate for you and then take 1/3 of the settlement in the end.
The insurance company should be taking statements from all involved, looking at where the accident happened, and looking at any police reports. This is the information they will use to determine the liability.