Hello everyone, I had no accident in recent times and I intent to keep it that way. I was just wondering about this thing. Car vs bike, car at fault, nil injuries to rider. Rider has his $1000 helmet cracked and his 400 jacket + gloves + pants damaged, phone damaged, etc... Bike has comprehensive insurance to cover for his bike, but what happens to the rest of the items ? Do you have to go to VCAT for those or you can make a clame somewhere ?