Insurers of driver who badly injured Paralympic cycling champion Simon Richardson refuse to pay for operation

This is appalling, insurers putting the boot in.

Wow, what scumbags, don't let them get away with this, they are duty bound surely, shame them and they will cave in.

So I presume that the berk's insurance company are refusing on the basis that the op will be completed by the NHS therefore there are no costs to pay, despite the expected 12-month wait. I certainly wouldn't accept being in pain for another year just because of someone else's actions.

1. Wouldn't be at all surprised for this to go viral/national media, at which point £36k is going to seem a small amount of cash to avoid the sh*tstorm of negative PR that is coming their way.

2. If that doesn't work, I reckon £36k will be easily surpassed in donations if needs be.

Good luck Simon.

If he cannot the get insurance company to pay - at the end of the day, he CAN get the op in the NHS free of charge, isn't that why we are fighting off the Tories? - can he sue the driver for loss of earnings and get the money that way? That driver screwed up his career!

Just asking the experts here. Anybody work in insurance?

The problem with that is - unless I'm being blind - the Insurance company is not named

No name - no PR disaster

I can't get to twitter from work - is it mentioned there?

This is an appalling case. Leaving the victim of an accident in pain for 1-2 years until NHS treatment can be scheduled is not acceptable for anyone, paralymic cyclist or not. The fact that this athlete will probably miss the next paralympics as a result is even worse. The insurance company should be named and shamed.

Somebody must know who the insurers are. Or is there a reason they cannot be identified?

What a joke the legal system is in our country.

Identify the insurers and we can all ensure that we boycott them and not put any business their way, although most of these scumbags are the same. Happily take your money but don't even think of making a legitimate claim.

Funny that they insist on paying out for dubious whiplash claims so sending everyone's premiums up but where there is an obvious issue and a need for this medical claim to be settled they refuse on the grounds that it is fine for someone to be in pain for a year and it will get sorted at no cost to them.

I can imagine him raising the money through a fundraising campaign, but simply naming the insurance company would achieve the results quicker. Reading Simon's twitter he obviously knows the insurance comany but won't name it. Reading between the lines I guess his lawyers have advised him not to. He says "just remember, he's a farmer" so I guess it could be NFU (National Farmers Union) but this is pure speculation. If they aren't the insurer in question I guess it would be in their interests to distance themselves from such speculation.

F'ing scumbags. Someone somewhere must know who his insurers are.

absolutely disgusting, they MUST be identified to get justice .....

I don't think that's going to hold forever.

I can see a detail which could be causing this problem. Because the driver was DUI his insurer will say that the policy is void, and paying out could set a precedent for giving cover to any idiot who drives without insurance through voiding their contract with their insurer.

The compensation should thus be sought from the MIB (the source of payments for those injuries and losses through crashes with uninsured drivers) This would balance the value of 2 years of pain and loss of the ability to train back to fitness, against the cost of paying for the operation now.

The figure of £36,000 seems about right for this, if not a little low?

This is another insulting travesty of justice for victims common in the UK as insurance companies spend their cash exploring every squalid trick to avoid doing right for the victims of incidents like this rather than using it to put things right.

Lets hope that the insurers are named so we can take our business elsewhere .

Hold on. If you get run over by a drunk, their insurance is invalid and you're screwed. Is that really right?

Although I agree that this is just insult on top of injury.
I can see what A V Lowe is on about.
If you are drunk at the time of accident, that usually breaks your agreement with the insures.
And, as London Calling says, it's the drivers fault, so sue him instead.

Trouble being, we make people have insurance to cover this stuff ebcause the majority of people don't have £36,000.

Make the drunk farmer sell his house/ farm to pay for it.

A couple of people on Twitter have asked Simon Richardson who the insurers are. He replied that he was not in a position to identify them himself, but added that they insure a lot of farmers which certainly narrows it down.

Even if the policy had a clause that excluded cover in the result of a DUI, the Insurer cannot escape their liability to any third party. They will have to deal with the claim (it is their obligation under the RTA to do so) and look to make a recovery of the costs against their policyholder - although the potential in this would suggest that a successful recovery is going to be unlikely.

Would probably be fair to assess all the medical evidence available before they are pronounced scumbags or named and shamed though....

So going on what's above, let's see if I have this right: You are covered by your insurance for whatever activities it is taken against. If you invalidate that insurance then the contract is void and you have to foot the bill. In that case the farmer should be approached for the money.

If Richardson is suffering and clearly requires major surgery, why does it take a year to get it scheduled on the NHS? Maybe I'm being naive, but what has more than a trillion quid on the NHS in the last couple of decades got us if it hasn't been quicker treatment? Machines that go ping and lots of administrators? Ah, think I've answered my own question.

Surely the farmer has some assets that Mr. Richardson or the insurer can go after?

If it is the same in UK as over here in Ireland then a DUI driver's insurance will not pay out - that's when the (equivalent) MIB pay out. But if it is like here...it can be up to 2 years before that money will be seen...so it's a catch 22 situation. I'm guessing if he pursued the driver...he'd probably get nowhere either...
Not a very nice situation for anyone to be in.
It begs the question, what good is insurance (in quite a lot of cases)???

Leigh Day are good. They'll sort the carter-fuckers out!

Think farmer for insurance company

Whats the point in having the blooming insurance if they arent going to cover this!...they need to be NAMED!

Take away the emotive aspect and unfortunately it's only an insurance company's lawyers doing what lawyers are paid large sums of money to do. Simon is just one of many who suffer as a result of a collision and do not every get treated fairly.

The farmer won't have any money. They never do, it's a fundamental practice they are taught from a very young age - put it back into the business so the evil taxman doesn't get it (yet who pays for roads, electricity, mains sewage etc to their remote properties, for village schools etc). Which is why they have such low net income levels yet have massive sheds full of tractors, trailers, combines, diggers, quads etc. And why they wait for the threatening court letter before reluctantly paying bills and reply to official letters with illegible, spidery handwriting on a piece of old scrap paper in an old envelope resealed with sellotape and, to cap it all, insufficient postage. And no, I'm not exaggerating.

@dullard it's not just pings and pen-pushers and our modern lifestyles but drugs that are sucking huge amounts of money out of the NHS. It is screwed royally by pharmaceutical companies.

Think I know who the insurer is but I shall get it confirmed tomorrow then cancel all my policies. Which will be a shame as I've been with them for quite sometime.

This case just unfortunately reminds me that us cyclists always come off worst in a collision, even if we have the best legal representation. It really is quite depressing. The insurance company should be financially penalised by the courts for refusing to pay for the operation. I can't think of any other legal situation where this wouldn't be the case?

Motor Insurers' Bureau is only brought in if the driver has no insurance or the driver cannot be traced. I think what some people are talking about is some companies have tried to remove cover from the insured driver if they DUI.

As @Waggo pointed out, insurance companies cannot remove their responsibility for insurance against a third party - that is the minimum legal requirement for driving in the UK.

This seems just like normal insurance company tactics to delay paying out, especially as the sum is likely to be quite high. I don't think we need to wait for any medical reports as to calling the insurance company names, it is very clear what injuries have been suffered and the driver was convicted. Conviction isn't a requirement to bring a claim for compensation but it certainly helps.

Just what I was about to say Ragtag. Years ago I was involved in a hit and run. We got the registration and when the police called at his door he had a skinful. Also had a witness who saw him stagger from the pub and into the car and followed him until he hit me and took off. The insurers paid up.

In this case they are banking that the alternative is 'free' as it is a procedure provided by the NHS. What goes in Simon's favour is he is a professional athlete and needs this treatment now rather than later to allow him to be pain free and ultimately compete again.

But why stop at 'voiding' your policy for DUI. Why not void it for speeding, rlj, use of phone etc. All those things that contribute to collisions? Insurance is primarily to protect the third party, not to make it easier for the individual to repair their vehicle.

I wonder, does Simon Richardson earn a living from cycling at all?
If so can't it be argued that if he is going to be unable to race at the next games he's going to loose 4 years or more of earnings when all his sponsors give up?

Ha ha, dream on!

Name and shame this Isurance Provider who-ever they are.

As a farmer, there is a very high chance that his insurers are the NFU Mutual...in my experience not known for their (voluntary) generosity.

Of course it may not be them but they do insure a substantial proportion of the farmers in the UK.

Edward Adams should be forced to sell his home to pay for the operation as he was the idiot that caused Simon's injuries.
Then he can argue with his insurers!!!

I'm disgusted by this, but it's made me think of something that perhaps we should all be thinking of when we're out on the bike...

Had we better have pur own insurance?? Not something i've really considered before, but the thought of being left high and dry by some drunk and his neglegent insurance company is frankly a bit scary!!

Not saying it's right that we should have to, but i guess this is the next step from thinking a helmet is required!!

My experience of Leigh Day is that they are excellent. I was dealing with a taxi insurer that was refusing to settle. They claimed that he had a pregnant passenger (I never saw her) and that he'd driven off to drop her at the hospital. When asked to name the passenger, they settled! (with the name of the passenger I could have found out the name of the child via the registrar and traced the witness, if there ever was one).

Leigh Day are British Cycling's insurer and if you aren't a British Cycling member - why not? It's worth it just for the insurance alone.

I presume that Simon is being advised not to name them so as not to prejudice any out of court settlement. However, once proceedings are issued it's no longer a private matter (pedants will say that until it's listed for a hearing it's not public however you've already involved court staff before that point)

If you think this is bad, I understand that the compensation from the MIB for a fatality caused by someone uninsured is £7,000. On the roads life is cheap.

It's a crappy situation but I don't think all the vitriol aimed at the insurer is justified. The drunk farmer is the cause of all this, it won't happen but it would be nice if all his assets were sold to foot any bills (if he has any, Welsh farmers are generally rich...). As has been speculated above I'm guessing the insurer is refusing to pay out on the grounds the NHS will cover it eventually, whilst that sucks if they did pay out for private healthcare when a free option was available then it's sets a precedent and everyone's premiums will end up rising. They could make a goodwill payment to but then so could all the people ranting about injustice here.

Maybe I've missed something, but if he's going to be in pain and discomfort for a year if he chooses the NHS option, that deserves compensation? I'm not normally in favour of ambulance-chasers, but if the insurers are refusing to pay for the treatment because the alternative is free under the NHS, surely they're liable for the extra pain and inconvenience poor old Simon will suffer?

This sort of thing is happening day in, day out across the UK. It is utterly despicable and this particular example is strong reason to support new legislation to permanently revoke driving privilege (that's right, driving is not actually a right!) where someone proves themselves to be wholly irresponsible behind the wheel. Seriously, hitting is bad enough but then driving off? Automatic life ban not a smack on the wrist and that's not even taking into account he was a drunk.

Would I for example be re-issued a firearms licence if I took my gun out and walked the streets pointing it at people and firing it in the air...not even actually hurting anyone? I would hope not, the local Chief Constable would lose their job for being so reckless. Why then does such common sense not apply to our roads?

I would take this to government directly and demand, with the help of many supporters out there who are fed up of reading about yet another motorist 'accidentally' ruining someone else's life, that something is done immediately.

It is not good enough for the victim to be left exposed whilst the insurers, the driver, the courts, DVLA and anyone else involved in such farces sit back and play the blame game. Get your MP involved, demand change etc.

I believe your solicitors will prevail as this is a pretty distasteful affair however without knowing the legal argument it's hard of course to really comment on likely success.

When will government step up and make some changes to stop such needless carnage? I'd ask the PM for comment and make his response a matter of public record, he does after all 'work for us' and should act in the interests of common decency, stories like this are just disgraceful.