A cyclist was in an accident with a motorist. A cyclist might be partly at fault since it was 1h after sunset and she had no lights but had light reflective trousers (designed, according to a producer, specifically for cycling). A driver was moving possibly faster than they should (stopped more than 20m after the collision) and they did not indicate when was turning, which eventually caused the collision. But no witnesses.
The cyclist sustained injuries and is currently receiving treatment. A bike is damaged. Police involved, ambulance involved. The motorists' car is damaged with an expected bill below 1 000 currently. Initially, the motorist did not want to claim anything from an insurance company and to repair the car themselves, as it would lead to additional loses for them, but later they changed their mind when the cyclist told they are not going to claim anything.
To what consequence for the cyclist that sort of insurance claim can lead if the cyclist had no insurance and no home insurance, and the bike even does not belong to her? How do insurance companies normally chase cyclists? Should the cyclist make a claim against an insurance company too?