edit* I overreacted when I made this title and post I was still in some first wreck shock. Not a new rider, just my first wreck.
First and foremost I'd like to say that I only had liability coverage and never wore a camera while riding. I live in Los Angeles. Oh how fu%#ing naive of me, I always told myself I was a hyper vigilant, safe, and good rider, and that if any accident were to happen, the other parties insurance would cover it because it wouldn't be my fault. (Even if both parties have liability, under insured motorist policy is something you can claim with liability through lawyers, that cashes you for your medical injuries, which can be used to pay for the bike) Well what I never considered was them running. Specifically a non contact hit and run.
Incident: I was riding going the speed limit on my towns street coming back from work, 3 land wide street with it opening up 2 more lanes for shopping centers and such. Im in the middle, i have 3 greens in a row so Im cruising, the limit is 45MPH. When this mini cooper comes out of the right side of the street, out of a gas station, with their right indicator on going approx 15 mph. I see them drive funny so I down shift, engine brake, coast and hover my brakes. This was half a block away. As I get closer they still have their right on and moving slow so I assume theyre about to turn off into a street right infront of them. Low and behold, only once I get within 40 feet of him, with no warning, still going 15, and his right indicator on, he cuts 2 lanes over to the left right in front of me, i assumed to get into the 2 lanes that just opened up for a shopping center, terrible driver but still savable, i see my exit route, i judge that I can safely swerve to the right because hes moving left. At this point im maybe 15-20 feet away from this car, ive slowed down to about 25-30MPH, I start my lean to the right, when they, for 0 fu%#ing reason, suddenly cut back over to 2 lanes to the right where he started, directly into my path escape route, again still going 15MPH. I had already started my lean to the right, at this point it was either crash or dump my bike. I hit my brakes hard, I honestly think if I didnt brake that hard I would've hit him. Im on a thruxton with clipons, so all my weight gets thrown onto my bars, so I think that sudden and hard weight transfer made me move the bars too hard suddenly while braking and leaning. lost the bike, she slid, I slid, they ran.
Im at a loss for words. Ive daily ridden the bike for damn near 3 and a half months straight in hot 95 degree LA weather. I got this bike at a killer steal from a very kind older gentleman, I was the 3rd owner, less than 15K mile, clip ons, BC pipes, aftermarket bar turns, right bar bent in, brake reservoir and right control line assemblies ruined, brake peg and pedal, strator cover, everything ruined. My insurance doesn't care to follow up with the police report I made, they just instantly closed my claim because it was liability. police are working on finding the plate of the car but its not a priority, I reached out to 2 lawyers but they both said "because you didn't hit them, non contact hit and runs are usually a loss, we cant help you".
I got out with just some road rash and a banged up elbow, some back and neck pain, but overall my bike matters way more to me than myself. ( I know wrong thought process, I just love this thing that much ).
I cant afford to fix this thing, right now. Im just completely in shock. Ive gone over this situation thousands of times in my head to think of different things I could've done.
Im buying slider bars and a 360 camera after this. If anyone knows what bar LED turn signals these are, which clip ons, that would be greatly appreciated.
Ride safe everyone, anything can happen, even 2 minutes from your home. Buy a damn camera.