So, it's been a week since a cager sent me sliding down the road unexpectedly, and the police investigation came back yesterday.
The driver that we (the police initially, and myself) thought was responsible for the accident turns out to be totally uninvolved in the actual incident, she just happened to be close to the scene and thought she might be responsible.
According to the witnesses present, there was actually a different driver who made the right turn into my lane five feet in front of me, which caused me to bail hard trying to avoid. This means that now the accident is classified as a hit-and-run since the driver responsible didn't stop at all, and nobody managed to get his/her plate.
My worry is, will this change my ICBC injury claim and send my premiums skyrocketing? Since they don't have another driver to blame, but the police still found me 0% at fault, does that mean it comes out of my pocket instead of being on the other driver's insurance?
I didn't actually impact the other vehicle, but the act of avoiding (by a hair) the other vehicle caused me to lose control. People have (anecdotally) mentioned that ICBC will consider it a single vehicle accident now, even though there was another driver involved, but that doesn't really make sense to me.
Does anyone have experience with a "not at fault" hit-and-run situation? My ICBC adjuster has been very helpful, but I wouldn't mind a second opinion. Should I also be looking for a good injury lawyer? (Is there such a thing? )
Thankfully, the bike itself was insured for all perils through Beacon, so I don't have to haggle with ICBC over the value of the bike.