Not the poster but how I read it: the car driver had insurance; he was on a bike. In the US, in the event of two-car collisions the drivers will contact their i

Not the poster but how I read it: the car driver had insurance; he was on a bike. In the US, in the event of two-car collisions the drivers will contact their insurance carries, and the insurance companies talk to each other to negotiate the settlement. Since he had to negotiate with the insurance company himself, and he had zero leverage.