Auto Insurance Claims: Insurance claim, appraisal clause, binding decision

Question
QUESTION: I have a claim in on my motorcycle that I hit with my girlfriend’s car.  Both vehicles suffered damage.  The motorcycle suffered more than the car.  I called my insurance company and since the policy for the bike and car are under separate names and addresses the insurance company said it would be covered. Due to the bizarre circumstance the insurance company sent out an investigator.  He claims there is not enough damage to the bike to match with the story and is leaning towards a denial.  I am wondering what other remedies I may have? L Obviously I do not want to sue my Girlfriend but I would like to get the bike repaired.

Many Thanks


ANSWER: All insurance policies have an appraisal clause, in which the policyholder chooses an independent appraiser and the insurance company picks one. The two appraisers select an umpire to make a binding decision. Try enacting the appraisal clause if they deny coverage.

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QUESTION: i do not think this is an issue of value, rather they are questioning that the damage was caused by the car

Answer
An insurance company has to take your statements in good faith. In other words, they can't deny the claim without cause and risk acting in bad faith if they do. If the insurer denys the claim, you can file a complaint with your state's regulatory agency.