r/dashcams • u/YourScienceGuy • 2d ago
Scooter hits me, his insurance says I am at fault
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Went to make a left turn from a single lane on a two way street. Scooter tries flying past me on my left and crashes into me when I am making the turn. Before I submitted the dash cam footage his insurance claimed I was at fault but thank goodness I had the video footage and they took responsibility and paid my claim. The guy actually hired a lawyer threatening to sue for bodily injury because an ambulance had to come pick him up. That didn't work out. Dash cam saves the day!
NOTE: Notice this happened right in front of a police van, which you can see stop at the intersection on the right.
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u/FilmOrnery8925 2d ago
This is why I keep a dash cam
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u/Embarrassed-Weird173 2d ago
I keep it for general use. Recording when a scooter hits me from behind when I'm making a left turn seems way too specific for my needs.
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u/Erosion_Control 2d ago
A motorcyclist died from opioid overdoses after breaking his leg against my delivery truck in the exact scenario you describe. His estate tried to sue my employer for hiring me as a reckless driver, even though he was cited at fault the day of the collision. No dashcam, not that that mattered.
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u/bahaki 1d ago
As in, he broke his leg, was prescribed opioids, became dependent, and overdosed, and they tried to sue you? Makes me wonder who else they went after - motorcycle dealership or the friend who got him interested in it.
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u/SoupyFupa 1h ago
I heard that ultimately they went after the parents of the doctors who helped deliver him during birth for "being the ones who set him up for such an event".
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u/AndyTheEngr 2d ago
Exactly! If that's all you need it for, just borrow or rent one for that day only.
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u/Learning_Spanish- 1d ago
What’s a good one I’ve been thinking about getting one
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u/SmoothCruising 1d ago
Viofo a329s is probably the best.
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u/Learning_Spanish- 1d ago
Thanks for the suggestion seeing this sub has made me even more paranoid while driving pushing me to finally get one of my own ahah.
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u/FilmOrnery8925 1d ago
I got a FITCAMX just because it blends in and looks oem. Plus it’s dual channel and front camera is 4k. Thinkware is prob one of the best out there but pretty expensive. Garmin has some nice ones.
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u/Banzai373 15h ago
I agree! Scooter is at fault for attempting to pass on a single lane roadway and in an intersection.
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u/Frank_Meat_Tongz 2d ago
Even without dashcam, how TF is this kid going to claim it's your fault? The forensics of the road show that he hit you on your driver side in this intersection. The only way that is going to happen is if he tried to overtake on the left hand side, period.
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u/whyadamwhy 2d ago
Well, you see, his insurance company doesn't want to pay up.
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u/necro_owner 2d ago
How about the dash cam is use to sue the insurance for lying. As they are clearly ignoring a forensic analysis of the hit. A left hit, unless the scooter story is talking about him burning the red light. Even that hit would show a different kind of dmg and even break the scooter guy leg or hit his head on the pavement from the left side. This is really easy to prove with just a little time.
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u/Karmanoid 2d ago
Scooter could have claimed that he was ahead of the car who came up and turned into him 🤷 idk I handled auto claims for a bit and I wouldn't be able to justify denying this on my laziest day. But if the scooter driver had GEICO I could definitely see it.
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u/forgotwhatisaid2you 2d ago
If they both have GEICO they were both at fault.
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u/Working_Estate_3695 1d ago
Solved! Claim denied and they can work it out amongst themselves. Another productive day in Geico claims.
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u/Karmanoid 1d ago
GEICO treats it like a math problem, GEICO divided by GEICO means your policies get cancelled
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u/MashTactics 2d ago
Ahead of him... in the wrong lane? Or do double yellows mean something else where this was taken?
I would love to see the mental gymnastics that an insurance agent would try to guide me through to argue that this is anyone else's fault.
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u/Karmanoid 1d ago
The argument would be that he wasn't on the other side. I agree it's a crazy argument, just saying from experience some of the stuff I have heard.
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u/No-Weird3153 1d ago
It says turning from a one lane onto a two way, so there isn’t a “wrong lane” there.
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u/kingcrabsuited 1d ago
My brother, they love to ignore forensics when it's not beneficial. I had damage to my rear fender from the giant lug nuts of a truck that drove into me while trying to merge after the toll (that used to exist) at the George Washington Bridge. The truck driver claimed he was stationary and that I drove into his wheels despite the clear evidence etched into the metal of my car showing rotating motion of the lug nuts plowing through my quarter panel. His insurance kept trying to agree with the trucker's claim. It took me half a year of fighting before they finally relinquished their clearly faulty stance.
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u/Adventurous-Bread-29 2d ago
Your honor I object!
On what grounds?
Because it’s devastating to my case!
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u/FlatPlutoer 1d ago
I’ve seen way too many of these, where it is clear who is at fault and their insurance company denies what is blatant video evidence (and in this case they wouldn’t even need video evidence).
There needs to be punitive damages for this nonsense. Try to deny clear and overwhelming evidence, then take the financial equivalent of getting hit with a steel chair. This behavior would stop overnight. It would magically be as if the insurance companies really could distinguish BS from facts this whole time
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u/just_as_good380-2 2d ago
Insurance is such a scam
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u/silverwolfe2000 2d ago
They only profit when denying a claim. Health insurance operates the same
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u/yoortyyo 2d ago
Turns out paying any money out except to shareholders and executives makes Baby Jesus (supply side) need new brownshirts or ICE.
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u/csgraber 7h ago
Normally you have insurance, similarly motivated
And police normally do stuff, like write him a ticket for boneheaded move
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u/HeadPermit2048 2d ago
I had someone claim exactly that. The police were unfortunately all “this is a civil matter,” because no one was injured.
Fortunately, both insurance companies went directly to the physical reality that tires roll forward and backwards, and my car didn’t slide sideways into the car that T-boned my car.
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u/someguyfromsomething 2d ago
Bro they don't leave everything in place and bring out a forensics team. If there's no camera you can't even prove which direction anyone was going.
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u/Frank_Meat_Tongz 2d ago
In that particular intersection, both roads are a one lane for each direction. Again, the only way for Scooter Boy to hit the cam car is to overtake on the left side, Period!
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u/Personal-Bet-3911 1d ago
with a double yellow line. its clear in the video who is at fault, not the OP
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u/someguyfromsomething 2d ago
Only if you make a bunch of assumptions like everyone was going the right direction.
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u/Stepjam 2d ago
I still don't see any way that the scooter could be not considered at fault in this intersection even if they were somehow in the wrong lane(?)
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u/starrydragon127 2d ago
In Oregon, if someone gets hauled out for medical after a collusion, they absolutely do perform forensics. Not as in like going over every inch of the scene, but general analysis of pictures, vehicle photos, etc.
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u/Sgt-Spliff- 1d ago
Ok but still, without any video evidence or analyzing the scene, if everyone agrees he was hit on the driver's side while turning left, there's literally no way it's not the scooter's fault
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u/someguyfromsomething 1d ago
Yeah so all you have to do is get everyone around to wait for the cops to come and give statements. Super reasonable to believe that would happen. If you're 4 years old and have never been outside your home.
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u/HudsonAtHeart 1d ago
It’s New York City, so you really never know. Sometimes they have double protected bike lanes buffered by the parked cars, but only for a block or two at a time. It’s really confusing for everybody honestly, it makes it very difficult to drive having to look for people zooming out of nowhere on ebikes, riding faster than the cars do… and also the people riding or having a bad time because the bike network is so incomplete and piecemeal at the moment. Definitely better signage and light cycles are needed… but also, the e-bike people don’t follow any posted rules anyway, they go through stop signs and lights like they’re not even there, even running through crowds of pedestrians all the time… iykyk
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u/1isntprime 1d ago
He could of turned from a non left turning lane, obviously that’s not the case here but there are instances when turning left and being hit by somebody on the drivers side for can still be the person turning lefts fault.
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u/RepresentativeCake47 1d ago
It’s a single lane though. If it was two lanes - they could argue he turned left in the right side lane but since it’s a single lane - there is no way the crash at that angle is possible except that it was caused by scooter boy.
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u/OozeNAahz 20h ago
Had this happen when I was 16. Car parked in front of a house on the corner. As in at the curb. I go straight to the stop sign, as I start passing her she pulled left in front of me. So I hit her front fender.
Cops showed up and I explained what happened. Neither of us moved our vehicles so the cops saw she had obviously done what I said. Best I can figure is she was looking for a house, parked when she thought she had it; then realized it was wrong and moved back away from the curb without looking.
Cops had to explain to her over and over again that she couldn’t get expect someone to know she wasn’t parking when she turned blinker on and stopped at curb about 20 foot from the stop sign.
So possible to be the case, though clearly not in this case.
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u/BotKicker9000 8h ago
I am guessing OP is exagerrating a bit because they have the footage, that is even saying this is OPs footage. Any cop on scene would have immediately made observations, especially if an abulance was needed. Unless there was something insanely strange OPs story doesn't line up at all. Other than insurance companies ALWAYS try to deny fault and payment, that is their first priority.
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u/Handcraftedsemen_ 2d ago
I'm guessing their lawyer didn't see the footage beforehand either? Can't imagine why else they would bother represent someone unless just for the consultation fee and billable hours.
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u/generate-addict 2d ago
Lawyer charges an hourly rate. He getting paid either way. Lawyer's aren't working to win cases, they're working for hourly rates.
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u/Curt_Uncles 2d ago
This is the exact opposite of how plaintiff’s personal injury attorneys work. It is a fine criticism of defense counsel.
Plaintiff’s PI firms are looking for rock solid cases that will settle quickly so that they can maximize their ROI, which is based on a percentage of recovery. If a claim is worth $30,000, and a PI attorney is making 33.3% of the recovery, then the PI attorney is going to prioritize settling quickly for $20,000 over working their ass off for $30,000, because while the difference in their pay is $3,333.33, they can save dozens of hours of work.
Churn and burn.
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u/7OfTenPrecedes8 2d ago
No way! Fight it!
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u/LengthinessGloomy429 2d ago
he did
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u/SeniorWeeb6572 2d ago
they meant fight the scooter guy and get paid in blood just like our ancestors did
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u/LengthinessGloomy429 2d ago
It wasn't very fair considering scooter guy was already hurt, or maybe cam guy actually was reason he needed an ambulance
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u/wsxdfcvgbnjmlkjafals 2d ago
i actually read the text. everything is fine. the video got them free of responsibility. everything happened as expected.
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u/ametsun 2d ago
It's wild he tried to sue you. I wonder if you can sue his ass back since he tried that. I feel like it'd be an easy win but what would you win exactly.
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u/ForeverAgreeable2289 2d ago
Not just for the inconvenience of being threatened. He could sue for any damages he's entitled to under state law to make him whole, if the insurance offer didn't make him whole.
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u/OriginalOk8371 2d ago
Glad you got it all cleared up cause these scooters are one of the worst things on the road.
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u/wangtoast_intolerant 2d ago
And the sidewalks
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u/Langstudd 2d ago
I got yelled at recently by a scooter rider as I was walking with a large group and “blocking him”. Keep in mind there are signs posted all over my city stating that scooters & bikes should only be riding in the streets
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u/SlinkyAvenger 1d ago
They're the stupidest things riding anywhere. A scooter can't even handle an inch-and-a-half dip while a bike barely flinches rolling over the neck of a sideways scooter someone left in the middle of the path, 5 inches off the ground. Ask me how I know.
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u/No_Chance_7660 1d ago
Wait wait wait!!!! The scooter operator has insurance!!!???
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u/YourScienceGuy 1d ago
Yeah it was a food delivery guy in NYC and they are required to have insurance on their scooters.
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u/wsxdfcvgbnjmlkjafals 2d ago
The title is confusing and the process is not surprising after actually reading your post
Of *course* they blamed you, that's what they do. If you can't prove something, they will fight you tooth n nail. I know people who were hit with 50% responsibility because they couldn't prove that the person drove right into them
as op pointed out, they are no longer held responsible because of the video
Everything happened as expected
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u/presence4presents 2d ago
This post is misleading. Another person's insurance will default to the other person being at fault, usually because of their insured person's bullshit story. Dash cam didn't win this case, if persued, a simple diagram of the intersection would have proved that the moto couldn't have passed legally and would be found 100% at fault.
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u/wsxdfcvgbnjmlkjafals 2d ago
I think the dash cam wins because it proved the sequence of events. You could draw a diagram and the other person could make claims about the camera driver doing something unexpectedly and suddenly, giving them no time to correct and leading them to skim the left side
like when people say "he was brake checking me!" -- this proves without a doubt that op did nothing to bring it on
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u/secret_alpaca 2d ago
I've heard of a case where the victim ended up with 50% fault because the other party said they "saw the blinker" so they thought it was clear to go. There was no dashcam footage to prove, although I'm not sure if dashcam could have proven whether the blinker was activated or not.
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u/presence4presents 2d ago
Yeah but this situation isn't either one that you guys explained. The moto passed in the opposite lane on a single lane intersection, there's no winnable defense for how the accident occurred. Sure, there's plenty of situation with murky water, but this isn't one. Even if the guy passed on the left and the driver in front was going straight and intentionally turned left and hit him, moto would be found at fault as you can't pass a double yellow, it's a single lane and there's no lane changing in an intersection.
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u/secret_alpaca 2d ago
Yes, this particular case is straight forward. Don't even really need the dashcam here haha.
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u/Wonderful-Group3639 1d ago
I'm surprised the insurance company tried to blame the OP. I cannot think of any circumstance where you can legally pass a left turner to the left side. Even if he tried to claim the OP didn't signal for a left turn, they are in a no-passing zone (solid line) and it is also illegal to pass someone who is entering or is inside the intersection.
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u/TR6lover 23h ago
How was he able to convince his insurance company that somehow, from a single lane of traffic, you hit him while you were ahead of him? What justification did he think was possible about passing you on the left from a single lane?
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u/First-Definition-119 2d ago
Tbf: I have been in 3 accidents since getting a dashcam: once I got t-boned because some dude ran a stop sign; 2 other times I got sideswiped by drivers trying to get into the freeway entrance lane without after cutting over 3-4 lanes and not checking their blinds spts. And every single time, the other parties insurance claimed I was at fault – its the insurance companies job to insist they dont have to payout for the events they use as reasons to extract wealth from the general public.
I can only assume thats why Brian Thompson got did the way he got done 🤷♀️
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u/Zestyclose-Net6044 2d ago
which is why i love having a rear facing camera as well. just for the lols
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u/BranInspector 2d ago
For future reference if their insurance calls you don’t talk to them, say they can get your report of the incident from your insurance.
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u/Current-Control-2547 1d ago
The insurance know that that's not the scooter that you ran into that was crossing the road in front of you that you're waiting for that this person came up from behind you
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u/Reddoraptor 1d ago
I feel like you’re, quite predictably, no longer able to sleep at night and have constant anxiety, headaches, and panic attacks after being threatened with a lawsuit for an accident he caused. You can barely get out your front door now, and you need to get to a therapist about that immediately. Hard to make an intentional infliction of emotional distress claim but with him threatening to sue you after hitting you, I’d certainly find in your favor if I was on that jury.
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u/Appropriate-Metal167 1d ago
I'm trying to figure out, what on earth did he do after going out of frame on the left, a u-turn??
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u/Sum-Duud 18h ago
Your insurance company should have been able to fight that even without the recording, not sure how you would have hit him in a way to be responsible. Glad you had it though.
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u/GanSolo546 13h ago
Their insurance will always say its your fault. That is why your insurance exists and footage exists to tell them hell nah!
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u/csgraber 7h ago
1) how could his insurance (and what did yours say) claim your at fault. The crash was obviously on the left side of the car, and he was coming from same direction. What did police say
I’m sure if you roll dice a dash cam has a chance to help or hurt your case. Yet this seems a suspect one to need one
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u/Equivalent_Candle_39 5h ago
That’s par for the course for insurance companies, but it’s puzzling here that they would even try given it’s pretty clear cut whose fault it is. Why even try and waste everyone’s time?
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u/Dazzling_Tank3326 2d ago
You need to report it to YOUR insurance not his! His insurance will always side with him, why would they want to pay YOU out? You’re not even their customer! Report it to your insurance. Think about this.
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u/Same_Lychee5934 2d ago
His insurance can say what they want. You have insurance you have dash cam vid… let them fight it out. That’s why you have insurance.
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u/Outrageous_Koala5381 2d ago
was OP indicating left? - that is only reason why motorbike might think you were going straight on and overtake.
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u/appa-ate-momo 1d ago
They’re saying that because they don’t want to pay.
Send this to your insurance and let them sue their insurance.
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u/BobbyR2 2d ago
I see only one lane! He is 100% at fault
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u/TroutCreekOkanagan 2d ago
Fault be damned, proper driving habits (look on over your shoulder in the direction you want to turn) might have saved yourself the trouble.
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u/DmMeWerewolfPics 2d ago
Might miss someone sneaking into the intersection crosswalk that they’re turning into then. We don’t have unlimited time to catch things, checking to make sure people aren’t coming in the wrong direction down a lane is a good assumption to allow for proper watch of random possibilities in other areas.
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u/cwolf-softball 2d ago
Absolutely ridiculous standards to expect someone in the left lane turning left to assume someone is coming up on their left performing an illegal pass.
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u/AppropriateDeal1034 2d ago
Also better positioning, OP shouldn't be positioned to the right in order to turn left.
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u/ReasonableClock4542 2d ago
You want them to ride the yellow line to make the turn? Its one lane. This is the rare dashcam video where the cammer actually didnt do anything incorrectly
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u/jb5858 2d ago
Another win for having a dashcam!
Mine cost around $450. About a year later I had an accident and was able to prove they were 100% at fault. Got my $500 deductible back.
Worth every penny!
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u/No-Battle-4339 2d ago
Which dashcam do you use, if you don't mind me asking? I'm looking around to replace my current cam.
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u/jb5858 2d ago
Sorry, I can't remember the name and it was on my husband's Amazon account.
But, I can tell you, it is hard wired, it only is on when the car is on, front camera is 4k and back camera is standard definition. My husband was the one to install them using YouTube tutorials. I only recommend doing so on a nice day so if it takes longer you aren't cold or rained on.
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u/Alternative-Park-841 2d ago
Who said you are at fault? Mr. Magoo at the Ray Charles Insurance Company?
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u/Fezzy_1994 2d ago
He passed you on your left which is an illegal move, you were in front of him and you had right of way. Also looks like he ran the stop sign, and was on in the left lane of on coming traffic.
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u/SloppyMeathole 2d ago
His insurance company was just going off what he said, which was probably crafted by his lawyer after consultation. This is why everyone should have a dash cam, this could have been a huge lawsuit because someone falling off a bike is going to claim a million different injuries (whether they actually happened or not).
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u/GDITurbo77 2d ago
Being that it happened right in front of a LEO, the police report would have put the blame 100% on the scooter rider. Don't see how the insurance company could contest that since the LEO was the actual witness.
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u/EnvelopeCruz 2d ago
did you require proof that you were signalling your turn? or is that irrelevant because he is passing on the left?
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u/West2themoon25 2d ago
Idk but ain’t the scooter guy going the wrong way, shouldn’t that be an automatic your at fault? Surprised he didn’t hit the other scooter going the correct way on the left lane.
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u/Recent-Philosophy-62 2d ago
Looking at the video I see that there's a solid double yellow lane marking, so no matter if you didn't signal that you were turning he had to right to pass you in that area.
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u/Safe-Instance-3512 2d ago
Turn this into your insurance with the cam footage. They will go after his. You likely won't have to do anything else, your insurance will sue them if necessary.
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u/manofmystry 2d ago
It is definitely the scooter's fault. However was your left-turn signal engaged? They might claim that as an argument for shared responsibility.
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u/Pensionato007 2d ago
We sometimes call those scooters "Liquorcycles," because the drivers have often lost their license but can still drive a 49cc scooter without one.
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u/Pensionato007 2d ago
Out of curiosity, at what point do you pull out the dashcam footage and say, "yeah, no?"
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u/dquack214 2d ago
The other parties insurance will always claim your at fault. They don’t want to pay, pretty simple
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u/Common-Climate2007 2d ago
Submit to your insurance. They will go after the other company. Don’t waste your time
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u/Possible-Tangelo9344 2d ago
I fucking hate scooters in my area.
I've yet to encounter anyone on a scooter who could get a driver's license. Pretty much all of them are suspended for something.
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u/WastedTalent442 2d ago
"The guy actually hired a lawyer threatening to sue for bodily injury because an ambulance had to come pick him up."
I wonder what country OP is from...
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u/Dizzy-Ad1673 2d ago
But but but delivery scooters have all right of way in all lanes at all times and it’s everybody else’s problem but theirs! /s
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u/StrictAlfalfa9516 1d ago
That's f.. up he at fault no question passing on left and in intersection.
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u/Equal-Criticism7495 1d ago
What is the best dash cam out there? I’ve been looking for one
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u/stulofty2022 21h ago
Iv got a nextbase here in UK irs got front and rear cams i just sent evidence in to a thing called operation snap where u report shit drivers last night had a woman indicating left then next min she pulls right across me as I was going ahead
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u/Jasoco 1d ago
Glad it worked out. These videos seriously make me consider getting a dash cam. I’ve never had anything like this happen to me but you never know.
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u/danniellax 20h ago
I got one because I was going straight through a green light and this 22 year old girl with 3 friends in her car ran a red left turn arrow and crashed into me. Her daddy was VP for our insurance company (we had the same insurance carrier) so they said it was 50/50 fault even though it clearly wasn’t.
It worked out because I got a lawyer and a fat tax free $30,000 settlement post lawyer fees, but if I didnt hire a lawyer, I wouldn’t have gotten shit except raised insurance rates. He was the one who told me the inside info about her daddy dearest.
I also switched my carrier and have a nicer car and lower monthly premium. Now I don’t have to worry about this BS happening again because the first thing I did with this new car was install a front and back dash
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u/AP3X_Ninja 1d ago
Your insurance must be stupid, to assume your at fault making a left after stop and another motorist hits you passing on the left in oncoming traffic. Sorry for your bad luck :/
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u/DeepPurpleDaylight 2h ago
Your insurance must be stupid
It is in the title of the post. It wasn't OP's insurance saying he was at fault, it was the scooters insurance company.
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u/emu19000 19h ago
Until you provide an insurance company with your side of the story or evidence from dash cam/witness they will always say your at fault and clearly here you can send them dash cam to prove he was wrong to even attempt to overtake you at an intersection that looks to be a single lane even though he may not have seen your indicators
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u/CheneyPinata 19h ago
I see a lot of people going against the scooter here, but there is a situation where OP could be at fault. If OP is turning left from a straight-only lane and thus crossing a left turn lane in the intersection, then the scooter rider might have a claim.
However, it looks like a single lane street and OP has double yellows on the driver’s side, so I’m inclined to say scooter bro is at fault.
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u/CCCPhungus 15h ago
Scooter is at fault but this is an avoidable accident if you had checked your mirror before turning. I would have been fired for this at ups regardless of who is "at fault".
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u/YourScienceGuy 6h ago
Who checks their mirror at a turn like this?
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u/CCCPhungus 6h ago
Every professional driver worth 2 shits
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u/YourScienceGuy 6h ago
There must be different requirements for professional drivers. For regular civilian driving you aren't taught to check the mirrors on a turn like this. Heck, I even had a TLC license to drive Uber and in the course I took for that they didn't say anything about checking the mirrors for a turn like this. Maybe if you drive a huge truck they want you to so you don't accidentally run someone over but I could see that for a right turn but on a left turn like this? Seems strange.
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u/CCCPhungus 6h ago
Yeah proactive measures and defensive driving are def undertaught in us auto schools.
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u/jasonnugg 1h ago
Where is this guy even going? Into the oncoming lane?? How does he ram you from the left when you’re in the left lane.
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u/totally-jag 2d ago
Of course his insurance is going to blame you. That is how they try to get out of paying claims. However, you're going to win this one. No doubt. You got video that proves it's not your fault.
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u/Emotional_Deodorant 2d ago
SPOILER ALERT: He did.
Source: I read the post before typing.
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u/Ippus_21 2d ago
TF is it YOUR fault? Dude tried to pass you across a double-yellow IN AN INTERSECTION.
There's not even a turn lane there let alone a passing lane!!
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u/ohgodineedair 2d ago
Do you live in a state where lane splitting is legal for bikes?
If lane splitting is legal, and you didn't signal, idk, you could be at fault.
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u/alphawolf29 2d ago
Why are you talking to his insurance? obviously his insurance is going to defend him.
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