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@juliand We are being reasonable, but there are a lot of details missing from OP’s post, so we are having to infer a lot. I’m strictly going off my own claims handling experience. And no I don’t work for the Neighbor. I fully agree the car’s insurance carrier is being a poor neighbor by...

@compwiz02 It’s perfectly reasonable to assume he didn’t react and stop quick enough to avoid the loss, in the absence of any additional scene information. There are of course a myriad of things differentiating bikes from cars, but drivers are all held to the same standard. The turning vehicle...

@compwiz02 A bike has lower mass and carries less inertia, and a bike can stop faster than a car. We don’t have any information if the car making the left turn did so at a high rate of speed. To clear nearly the entire car save for the rear indicates the bicyclist failed to maintain proper...

@spencer5150 While I agree with your analysis regarding left turns, the bicyclist collided near the rear of the car. Left turning car was nearly finished with their turn when the impact occurred. Left turn liability will always be majority on left turning party, but I could see the bicyclist...

@davelew86 This. The claims adjuster likely wouldn’t know you work for Progressive unless you volunteer that. The company will make sure the claim doesn’t go to anyone in your team or area.

@bonitabaggett That’s state specific. You’d need to look up state statutes to determine that.

@bonitabaggett The at-fault party’s insurance is trying to settle within limits to shield their insured from you and the other parties suing their insured. If your car is worth 10k, you want the 10k, and the at fault party has recourse to pay you back, you can sue them. If not, take your 4.7k...

@bill1963 What were your policy’s coverages? Collision or liability only?

@orthodoxcrusader Your friend doesn’t get to decide liability. They hit you while backing. The excuse they didn’t see you because snow was in their car is without merit, as they have a duty to maintain a safe vehicle, which includes removing snow or anything else off the car that obstructs view...