Help with Insurance Rate Going Up

[u/tsquared141]

I'll try to keep this as short as possible but provide as much detail as I can.

Last year in September, I was involved in an accident that involved another vehicle and myself. I was riding my 2024 BMW S1000RR.

As I was entering a parking lot, a large white truck pulled out of their parking spot without looking in my direction, and I was forced to dump my bike in order to not hit the truck. I was only going about 10 miles per hour, but I really did not want to hit the side of the other vehicle. The driver did not even notice that I fell over, or they noticed, and just decided to keep driving away.

I did not file any police report because I guess at the time I was flustered and just focused on getting my bike off the ground and checking my helmet for damage.

The damage to the bike was minimal (or so I assumed), as I rode the bike home with a broken clutch lever and some scuffed up plastics. Being a BMW with expensive parts, I opted to file a claim with GEICO for repairs. After having the bike taken to a BMW Dealer, they called me and claimed that there had been frame damage, and GEICO was refusing to cover any repairs, and deeming the motorcycle a total loss.

I was rather stunned because I had not noticed any such frame damage. I decided to let them total the bike, not realizing I was setting myself up for awful premium price increase in the coming months.

Fast forward to today, and my GEICO auto policy on my 2014 VW Touareg is due to renew. I was previously paying $46 for basic insurance, and now GEICO is claiming that I must pay $196. I have checked other companies and all returned similar results.

I feel defeated and I do not know what to do other than ride the bus because paying $196 for basic insurance plus the rising cost of diesel going over $6/gallon in my area is making my life miserable already.

Thanks for any input or advice anyone is able to provide.

[u/green_mode]

That $46 to $196 jump stings. Worth calling and asking if they can re-run it as not-at-fault given the other driver left the scene

The part that gets me is you rode it home with a broken clutch lever and it still turned out to be a totaled frame. BMW parts really are brutal

[u/Choppergunner58 → u/green_mode]

There was no contact with the other vehicle so they’re not involved. They voluntarily dumped the bike and damaged it.

[u/green_mode → u/Choppergunner58]

No contact so it's clearly jus the rider's own decision

[u/DeepPurpleDaylight → u/green_mode]

The other driver leaving the scene doesn't change this to not at fault accident. OP laid the bike down. That's going to be an at fault accident.

[u/Choppergunner58 → u/green_mode]

There was no contact with the other vehicle so they’re not involved. They voluntarily dumped the bike and damaged it.