all i know is, if someone wrecks their bike into mine and they don't have insurance, they'd better man up and pay out of pocket QUICKLY. either that, or they'd better have baseball bat insurance for their car and good smoke alarms for their house, and hope their pets are immune to rat poison and ball peen hammers.

bottom line is the wreck was the fault of the owner of the bike, NOT the girl that was riding pillion. therefore he's legally liable for her injuries.