As someone who kind of works in insurance/car rentals…….
The driver has to be insured for the period of the rental. If the driver is from outside the UK the rental firm would have sold him a policy (it also helps them with their margin in the rental deal – so they are all over this). They may also have sold him an accident waiver as well. If his bank have arranged the cover for him (Chase) they have essentially done the in country admin for him – and again the rental firm will be all over this.
When the guy returns the car they are going to have a conversation about the damage – and it’s a good bet he will have called the hire firm already to inform them the vehicle has been damaged in order to get a replacement – esp if he is here for any period of time. Hire companies are very good if you are the injured party. They really don’t want to go to court (costs) and many self insure.
I would follow this up asap if not already done so.
If he has taken a collision waiver I would think any claim you make is less likely to be contested. If the hire firm self insure they may also be very happy to deal with you directly, especially if it is a simple case of the driver accepting liability and the hire firm now need to buy you a new bike. This keeps their costs down.
If you feel after sleeping on it and the adrenaline has worn off that you have any injuries – you may get access to treatment on the hire firm as their insurance would prefer to get the bill from a supplier they have appointed as opposed to one you appoint and attempt to recover the costs for (it kind of works like that in motor insurance for std RTAs – you don’t get any worse treatment – it’s just the bills don’t have any mark up from your insurer – the cost is controlled). Don’t do this if you are uncomfortable negotiating – call your insurer. In any case notify your insurer (BC)- you have taken insurance and it is worth asking their advice, even if you decide not to claim. That’s part of the service.