So I had my first accident with a car today, I'm ok, bike is a little bent, and my chest hurts to breath, I think it's just muscles rather than a rib.
Motor insurance liability isn't really my strong point so I'm looking for some advise.
I was "filtering" along the side of stationary traffic in a cycle lane (not a bus lane) with hacked white marking along the side of it. I was passing a bus on the inside (I know not smart) but there was a long line of stationary traffic with no left turns and the curb was low with not barrier on the pavement. As I passed the bus on my right a large BMW (it had to be a BMW didn't it!) pulled out across front of the bus and the cycle lane (with a view to mounting the pavement to park!) he had been traveling in the opposite direction.
I slammed into the side of his car traveling at about 15 mph. I've done a fair bit of damage to his door, a few scratches and a nice Thomson stem shaped dent. He was alright about it and we've exchanged details and stuff.
I'm guess I'm a bit liable, given that I was filtering (was I filtering given that I was in a marked cycle lane?). But as a driver pulling across a lane of traffic come from the opposite direction it must be up to him to do this safely surely ?
should I be expecting his insurance come to try and claim there expenses back from me? I'm off to hospital shortly to get it all documented.
If they try it on I'll be ready to make a injury claim.
What do you think ?