I need a bit of advice. I had an accident on the way to work this morning. I was cycling along a road when a man wheeling his bike, walked out between two cars. I couldn’t stop and rode straight into his bike. I have the usual grazes bruising and cut and my clothing is damaged. The guy was extremely apologetic and tried to be as helpful as possible even inviting me into his house for a cup of tea (it happened right outside his house). We exchanged details and I carried on my journey as somehow my bike was damaged.