Well, 5 yrs of no claim has come to an end. I was riding home this morning I was behind this guy on a ZZR and he came of on a straight flat road, not wet and no oil. I came off after I hit the brakes too. (corner claradon street and whiteman street) So, insurance claim time. cosmetic damage and damages hand and foot control. on the right side. I need to claim against the guy. but the chain of events make it a bit iffy because I was behind. FACTS: I was at least 2 cars length. I did not hit him. I lowside trying to avoid hitting him after he came off. It was approaching a left turn where cars would generally slow down and bunch up. I was really not expecting someone to come off where he did. I called my insurance company and they advise me to contact his insurance company first. However I dont think that guy has insurance. WHY WOULD YOU NOT EVEN HAVE 3RD PARTY!!! So, I was kind of wanting some advise on whether I should claim against him through my insurance company.