I spoke with my auto insurance but they had told me that I would need to work with the insurance from the responsible party and would not work with them for me. I had originally thought that what you said was the casr. I may have to talk to them again though.

My offers were always 100% the same whether or not the person had an attorney. Where attorneys will sometimes get more money in my experience is simply because they work with a particular doctor to drag out treatment or increase treatments/xrays/scans, etc.

No, you weren't driving your car, therefore your auto insurance will not apply.

No, you weren't driving your car, therefore your auto insurance will not apply.

You will be dealing directly with the other carrier. They should be compensating for your property damage (bike, helmet, clothes, etc) and for your bodily injuries (medical bills, time missed from work, mileage to and from treatment, pain and suffering).

My offers were always 100% the same whether or not the person had an attorney. Where attorneys will sometimes get more money in my experience is simply because they work with a particular doctor to drag out treatment or increase treatments/xrays/scans, etc.

If you want to share particulars on your claim, feel free to PM me. I've been handling claims for over a decade vs. the people in these threads who have N=1 experience at best.

This is absolutely incorrect. As you said, he deals with the other driver's carrier first. But if the driver was uninsured, or if it was a hit-and-run, or if the other driver has inadequate insurance, then your auto insurance is the next party in line. This does depend on state, but in virtually all states, your auto insurance is a party to any incident involving a car, even if you weren't driving.

Now, it is correct that his auto insurance company - UNLIKE in a vehicle-vs-vehicle accident - will not do any negotiating on his behalf. But they are still a potential party to the claim in numerous entirely possible scenarios. And, depending on how good/helpful your insurance company is, they may also cover expenses more rapidly than the other party's insurance, and then you just reimburse your insurer if/when a settlement is reached.

That's the problem with your blanket statement. It's possible that his carrier may never get involved, but it's not at all correct to say that because he wasn't driving, they won't. They just won't get involved in the same way they would in a vehicle-vs-vehicle case.

EDIT: see what my mistake was in my OP. Sorry about that.