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Collision with car….who determines insurance?

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  • July 5, 2018 at 11:32 am #28689
    BobbyG

    Hey all….I’ve been involved in a collision with a car this morning on my morning commute and don’t quite know what to do regarding the repair now needed to my bike.

    The car cut accross me whilst it was turning right into a side-road…I was travelling in the opposite direction at about 20mph.  Upon first glance it’s clear that my forks are smashed and front wheel buckled which is no surprise since they took the brunt of the impact before I “ejected”!  Incidentally other than leaving a bit of skin on the road and having a stiff neck due to an impact on my (helmeted) head I’m OK. 

    Anyway I’m in a quandary as to what to do about it all.  Obvisouly I’m out of pocket and I guess I’m hoping the driver will help me out with that, but is it ultimately up to them whether or not this goes through their insurance company?

    Thanks in advance…

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  • July 5, 2018 at 3:04 pm #922901
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    BobbyG

    Thanks guys, I guess I’m in a

    Thanks guys, I guess I’m in a fortuitous position in that the police were in attendance and statements were taken/witnesses gathered.  As I see it, there can be no subsequent shirking of responsibility.

    I have the driver’s details so I think what I’ll do is get a quote from the LBA and present that to her and take it from there.   She’s actually just called me since the Police must have given her my number, but she was in agreement with the above and wanted to wait and see what the cost would be before deciding on an insurance job or not.  I think that’s fair enough.

     

     

    July 5, 2018 at 1:49 pm #922899
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    Mungecrundle

    Wait for someone qualified to
    Wait for someone qualified to post a response, but I thought parties involved in a rtc had a duty to exchange details including insurance. Is it not up to you as to how you wish to proceed? If the other party accepts liability then you are doing them a favour in giving them the opportunity to recompense from their own pocket and leave it to their conscience as to whether they inform their insurance company which they are obliged to do.

    From third hand experience, some people are weasels. They will admit liability at the scene, promise to pay you, make you think that you don’t need to get witnesses etc and then at a later date deny all responsibility in the hope that any evidence and witnesses have disappeared.

    Glad you are OK.

    July 5, 2018 at 1:27 pm #922897
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    Argos74

    Depends what you’re claiming

    Depends what you’re claiming for:

    * injuries and bike damage – seek legal advice. If you’re a member of BC, CTC, they have affiliate solicitors (who are very good I understand)

    * bike damage only – see above.

    In theory you can do it yourself – get the insurer from a MID check for a few quid, submit the repair estimate from your LBS to the insurer. They might try to lowball you though, or fight tooth and nail to say it wasn’t the driver’s fault (mystified jesus emoji). If you do go down the legal route, avoid the one man backstreet solicitors who are largely clueless, or the WeClaim4U type solicitors, who are largely clueless and grabby.

    Glad you’re okay!

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