Had a wreck in June 2007 Had a little girl 5yrs old with her mother run out in front of my buddy a me, I was riding 2 up with my wife- laid my scoot down with my wife at 35 mph woman was charged for failure to control a minor child ,her insurrance said they would pay all just had to answer some questions,meaning they were trying to find loop holes for any pre-exsiting conditions to put me at fault,Iwas off work for three months-went to physical therapy -ins.company wouldnt pay any bills till I filled out their forms,hired a Attorney case still not settled 2 1/2 years later GOOD LUCK,Just get an Attorney