Hey Guys, I was involved in a Motorcycle Accident with a car on Thursday which resulted in my bike being significantly damaged and the car to have a “minor” scuff on it as well as slightly moving the bumper down due to impact. I was travelling behind a 2007 BMW 118d when the woman driving suddenly slowed down and indicated last minute to turn right. Me being on a motorcycle due to the change of pace so quickly I was within the speed limit and had to emergency stop in order to avoid crashing however this didn’t go as planned as my front wheel locked up just before I stopped around 5mph causing me to clash with the rear of the car and causing my bike to shatter the engine casing as well as few various bits on the bike. The bike is fixable just at a cost of course but the lady is adamant it’s my fault. I don’t feel it was but I know the law of “rear-ending” someone always goes in the favour of who was rear ended. The damaged on her car is minimal and unfortunately I’ve came worse of with a broken foot and a wrote-off motorcycle. The ladie again is adamant that it was my fault although I was in her blind spot and I do not ever recall her checking her mirrors or following the procedures of making the turn safely as I know you are supposed to Mirror, Signal, Mirror, Manouvere and I didn’t see her check her mirror once but not just while she was taking the turn she hesitated, brakes and slowed even though there was no traffic oncoming causing me hit her. I’ve never had an insurance claim before but there was a lady behind who instantly stuck up for the other lady stating it was my fault but gave no reason why it was my fault. It was a bright sunny day and I never seen the ladie even indicate at all until the last second and instantaneously made the turn without checking her mirrors or blind spots! I received a text from the woman yesterday stating she’s happy to not go through insurance if I’m willing to pay for the damage done. Anyway, she got a quote and stated £550.61 to be exact which I think is extortion and she stated that will be the “cheaper” option then going via insurance for the amount of damage done. I’ve spoken to a friend who has a similar BMW although newer he has a 2011 BMW M5 and he told me he reversed into a tree. He stated he got a whole new bumper for the “M5” for £370 and that was in the colour Alpina White. This lady has the standard Black variant where I have searched online also and have seen so many going for £200. But anyway I don’t feel I am fully to blame and if anything she is also to blame for not making the checks needed before turning a corner as a motorcyclist I always ride with great care and attention as I know my life’s on line if I make a mistake. Any advice at all? I’ve never had to go Through the insurance before and I’m covered via Third Party, Fire & Theft Policy.