Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Should I work things out with the at fault driver instead of going through insurance?

I was hit by a car while riding my ebike a few weeks ago. My mother bought the bike online for me from the manufacturer. I hadn't registered the bike yet, and hence had not activated the warranty on it. I was headed home after delivering for Uber Eats with the bike all day, which is my only income source right now. I have no other vehicle.

The driver assured me at the scene that he intended to buy me a new one. I felt bad for him and made sure he understood how expensive it was. He gave me a ride home, we traded phone numbers and shook hands. His passengers were the only witnesses. The bike is trashed but doesn't appear to be totalled, but no repair person has looked at it yet. I've got some minor injuries. Basically I'd like to get back on the road, and while i'd happily take a brand new bike and some compensation for the lost income, I don't think i have the stomach to demand that if we keep it between us. What should I do?

May 23, 2022 Minneapolis, MN

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

We are sorry to hear that you were involved in an accident. If you and the at fault driver have agreed to have them pay for the damages out of pocket, that is within your rights. However, if you're going that route it is wise to photograph all damages, keep a paper trail of your correspondence, see a doctor and make sure your injuries are as minor as you think and overall get everything in writing. It's also a good idea to get multiple repair quotes for the damages to your bike. 


You shouldn't feel bad asking for compensation for both fixing (or replacing) your bike and treating your injuries. If at any point you feel as if they will not cover the damages or if you just feel more comfortable going through official channels, you can contact their insurance carrier to file a claim. But you will need to have as much documentation in place as possible. An adjuster would be assigned to the case and would let you know what the next steps would be. Hopefully this helps and if you have any other questions, please let us know.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can I file a claim if my insurance policy is canceled but was active at the time of an accident?

It will depend on how long ago the accident happened. You can use our chart on time limits for filing claims by state and see if you still have time to file a claim. If the accident happened in Florida, you have 4 years from the date of the incident to file a claim, based on the chart. The timefram…
Jan 15, 2017 Miami, FL

Someone hit my car and left a note with their insurance information what do I do next?

First of all, that's great that they were honest and left a note. The next step would be to contact their insurance company and file a claim. If the other driver is at fault then their insurance company should repair any damage to your vehicle. Check out our page on what to expect when filing …
Dec 8, 2018 Camden, SC

Do I need a police report to file an uninsured motorist claim?

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know is if it would be possible to still get a police report and redo the claim. If they make you pay the higher deductible at the end of this, make sure they mark the cla…
May 26, 2020 Memphis, TN

If I backed into a pole in a parking lot, do I need a police report to file a claim?

First off, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle.As for your second question, should you file a claim, the choice will ultimately be up to you. However, I recommend following the advice below before deciding to file a claim:G…
Aug 11, 2018 Taylorville, IL