1. If the rider has motorcycle insurance:
- If the rider has their motorcycle insurance, you should file a claim with their insurance company to cover the damages. Their insurance should cover the repairs to your motorcycle, as long as the rider is covered under their policy and was operating your motorcycle with permission.
2. If the rider doesn't have motorcycle insurance or your insurance has better coverage:
- If the rider doesn't have motorcycle insurance or their coverage is insufficient, you may need to file a claim with your motorcycle insurance. Depending on your insurance policy, you might have coverage for damages to your motorcycle caused by another person, even if they don't have insurance. Your insurance company will provide you with guidance and assistance in this situation.
3. If the rider was at fault:
- It's important to determine who was at fault in the accident. If the rider was clearly negligent or caused the accident, their insurance should be responsible for the damages. However, if you were partially or fully responsible, the fault may be shared, which can affect the insurance claim process.
It's recommended to check with your insurance provider for specific guidance and requirements related to filing a claim under these circumstances. They can help determine the best course of action and assist you with the claims process.
