You would sue her. Her insurance may or may not cover her but they will probably defend her against your claim. If you win and she is properly covered, the insurance company would pay - but none of that changes the fact that you sue her.
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I've never known an insurance company to do something because its "nice". Small claims will hear your claim. Good luck.
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I would recommend that you speak with an attorney in your area immediately. There are some insurance companies (I won't say which ones) that are very aware their insured was to blame, but won't pay simply because you don't have someone representing you who will fight for you, so they think they can just sweep the whole incident under the rug. Do not feel bad about suing her; you are really asserting your rights against the insurance company, and she will just have to understand that. As an example, there are wives who sue husbands just for the sake of winning against the insurance company. Don't hesitate to call someone who deals with them on a daily basis, and don't stop treating for your injuries just because the claim was denied. This doesn't end here.
Yes, you can sue her directly in small claims court. Sounds like you would win. Good luck.
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If the insurer rejects the claim, your only options are to attempt to persuade them to accept, which is almost always a losing endeavor, or file suit. Given the relatively small damages, small claims court is likely the place to go. Make sure to ask for costs if you file pro se.
Yes, small claims is likely the best forum for you to handle a straight claim for the property damage this woman caused to your bike. You would sue her directly (name her as the defendant) but send a copy of the complaint to her insurance company as they would, under her contract with them, defend it (or simply appear in court) and they would be responsible to pay any judgment you get.
If; however, you were injured, I would urge you to contact an experienced personal injury attorney for assistance. They deal with this type of issue very often and can direct you in the right direction.
Sounds like small claims court is your best option. Below is a link to information that will help you sue her there.
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