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Does the insurance company that comes to the accident check the availability of rights?
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Bikes here - consider a consumable, repairs are quite cheap, I would not contact the insurance company without a license.
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Of course, I'm not special, but it seems to me that the insurance company will refuse to pay in the absence of any legal permission to drive the appropriate road transport.
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Nothing serious, they dropped my bike in the parking lot and knocked me down.
