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>this claim was a real tit spanner because the owners cut-rate insurance company flat-out refused to cover it since the driver wasnt in the car

WTF, I'm against self-driving cars now. Glad you're all right.

Even if the insurance refuses to pay, the tesla owner would still have been liable. You'd have to go after them directly.

Lawyer fees to sue over a motorcycle would be more than the cost of a new motorcycle, unless it's a Ducati or something similarly car-priced.