My father in-law and I went for a ride today (He borrowed my wife's 2006 500R - I was on my ZX6R) and was going around a corner and he failed to negotiate the turn. I saw him in my mirror go off the road into the embankment. The bike went one direction and he went another. Thank god he didn't hit any trees. He really didn't get hurt besides his knees. He's going to be sore for a few days. My question is, I have full coverage on the bike. I just switch insurance companies 3 weeks ago and got full coverage on the bikes. Will insurance cover it even though it wasn't me riding it? Is it even worth turning in?