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If the driver was known, yes.
But in this case no, it's just a payout and they take the hit. I've paid my premiums and am in good-standing, it will add to my premiums a little but they've already advised it won't add much at all.
Frankly though, this is what it's there for. I've paid those premiums for ages so that they'd step in were something big to happen... like losing an expensive road bike in a hit and run.
Update:
- Road rash nearly all healed, scabs starting to flake
- Knee finally scabbing up and is now exposed to the air as it's stopped bleeding over clothes
- Finally managing stairs, I notice a few aches in the right leg still
- Police have still done nothing at all to date, and still have not contacted me
- Bike has been written off and insurers have pre-agreed to pay out
- I'm dreaming of a new bike https://www.lfgss.com/conversations/297404 which is stopping me from being really devastated about losing the bike I loved the most
That was a not-so fun week. The biggest relief were the insurers for feeling like an understanding and sympathetic friend rather than a corporate entity. The difference that makes when everything else is a nightmare is huge.
- Road rash nearly all healed, scabs starting to flake
Velocio
@cyclotron3k
In situations like this, would the insurer then try to reclaim the payout from the driver's insurance?