SON GOT HIT BY A LADY DRIVING VEHICLE WITH NO INS. OR DRIVERS LICENSE..SHE WAS DRIVING HER SONS VEHICLE WITH INS..MY SON ENDED UP WITH MOTORCYLE TOTALED..AND SENT TO EMERGENCY ROOM..THANK GOD AS OF NOW HE IS OKAY STILL COMPLAINS ABOUT HIS BACK...UNISURED WILL PAY FOR MED BILLS..NOT PROPERTY DAMAGE..SHE WAS AT FAULT...INS COMPANY SAYING SON DID NOT GIVE HER PERMISSION TO DRIVE VEHICLE..SO INS COMPANY IS NOT LIABLE...ACCORDING TO THIER POLICY