[Closed] Knocked off the bike by a car, what happens with insurance/pay out

Is it best to go to a bike shop and get them to assess the damage and write a report or what?

^^ This ^^

Yes! A reputable bike shop.

Call her insurance and see what they say, and also go get a couple of quotes to repair your bike..... Have you been checked out for injurys ? Might want to consider a trip to the docs just to be sure.

Collect as much evidence as possible including coppers name and he should have logged the incident.

Contact a legal person I used my union!

Take bike to a high end bikeshop (wheelbase full rrp on everything)and get a quote for damage and possible damage to other parts ie carbon!

Go to your a+e dept and get checked over aches and pains will probably kick in in 24 hrs obviously make a note of details.

Keep all reciepts for pain killers,taxi journeys and replacement transport costs

Just settled for £2500 for damage to bike and personal injury(bruised ribs) incident happened just before xmas

Thanks for the advice.

I dont really want a load of hassle.

I didnt bother with A&E (I was trying to keep a "hard as nails" image) but Ive got a few cuts and aches and whatever else. If they feel worse tomorrow then I'll go.

The lass seemed pretty shook up, but we ended up having a bit of a laugh about it. More pissed off the bike is damaged since Im meant to be going to the Alps on Thursday.

I'll go to a shop in town tomorrow and see if they can write a report for the damage caused.

The police got each of our details and they said they'd be in touch.

Quite a few people stopped to help which was lovely, although I nearly blubbered "I dont want your help, I just want my mum!"

I wasnt wearing gloves either and only sustained minor cuts to my hands. However, I wish Id been wearing my full face helmet, my face cheekbone took most of the impact.

I would go and get yourself checked out at hospital ASAP as its the hidden damage you may not be aware of that could do you in, better safe than sorry.

It does seem like the sensible thing to do, be CBA on a Friday night. If I feel like shite tomorrow then Ill go.

A few years ago , hit a tree in delamere, and felt a crack in my mouth a few days latter imense pain, saw emergency dentist and had 3 teeth out at the back.

just let your insurer speak to her insurer, they do all the work. A guy I used to work with went with one of those channel 5 have you been in an accident ambulance chaser companies when someone reversed into him and it spiralled into a nightmare for him, he wished he'd never bothered.

Just settled for £2500 for damage to bike and personal injury(bruised ribs) incident happened just before xmas

That was a lot quicker than mine, settled for a bit less than that after 2 1/2 years

More pissed off the bike is damaged since Im meant to be going to the Alps on Thursday.

Hire out there and add the receipts to her bill. This was a holiday specifically to cycle, which you cant now that she wrecked your bike, so she should be liable.

Not read the whole thread - do not bother A&E unles its needed but do record the bumps and bruises and take photos of anything visible.

I got knocked off and sorted everything with the guys insurance company the next day on the phone. Told them the cost of replacing all the damaged bits on my bike and also mentioned a sore back. Paid out in full for the bike bits and made me an offer to settle for any possible injury, no doctors needed! Cheque received within a week, apart from getting knocked off a very positive experience!

Trevor.

Milk the accident for everything it's worth.

Start with getting quotes for replacing all damaged bike parts. Take into account your helmet and anything mounted to the bike such as lights, gps device. Claim for anything that was even slightly damaged, even if it was only cosmetic. This includes jewellery, watch, phone, your bag, etc.

Then tell the insurance company you require private medical check to assess bodily damage, it's up to them to do the rest and get physiotherapy sessions sorted after the assessment. Leading to compensation obviously.

You will also need to claim for clothing replaced as this will have no doubt been damaged so have prices and quotes ready for your call to her insurance company.

Go for it. 🙂

Get your GP to do the checking, it's what I did after my climbing fall (minor head injury and huge haemotoma on the thigh). Your GP is the one who will deal with any subsequent pain and suffering too.

Milk the accident for everything it's worth.

Glad you're ok OP, too many drivers not looking properly or caring about cyclists ATM

I was pleasantly surprised - hit on 1 march and I already have £2800 in my bank account. The insurers admitted liability quickly and paid up for everything we asked for without quibbling 😮 got a quote from a bike shop for a new replacement and expected them to negotiate me down or query some of the accessories (upgraded saddle etc) or things that only had cosmetic damage but they didn't. I was expecting it to be far more painful than that!

brooess - Member
Milk the accident for everything it's worth.

And drive up everyone's premiums

Blaaa, blaaa, blaaa - the lads been knocked off his bike through no fault of his own - as stated in the 'OP' = It's not as though he's slammed on and faked the accident...

too many drivers not looking properly or caring about cyclists ATM

It's these that bump up premiums for us innocent folk not the OP wanting justice for his injuries and damages.

OP - You be a martyr if you want to but don't fall for the "it's the likes of you that bumps up our premiums" nonsense.

It wasn't your fault at the end of the day = Compensation EARNT 🙂

Take photos of bruises over a few days to make sure you get one when they're at their ripest.

at their ripest.

Love it! 😆

patriotpro - contemptable, and exemplifying everything that is wrong with Britain today.

Same happened to me 5 years back
If your to claim you must get to the Hospital for X-rays etc.

What happens next.

Well you will get sent to various doctors and specialists
in there respected fields and keep monitoring you for
around 3 years.

After that you'll may see one more doctor then they will come to
a financial agreement.

You MUST keep a day by day Diary from now has this will help you on your claim.

cynic-al - Member
patriotpro - contemptable, and exemplifying everything that is wrong with Britain today.

When you've put down the dictionary, go polish your halo. ➡

happy defrauding 🙄

cynic-al - Member
happy defrauding

no need to read anything other than your post.

Would your mother be proud?

contemptable, and exemplifying everything that is wrong with Britain today.

You're referring to drivers knocking cyclists off their bikes, right? Can't see anything else on this thread which is any way illegal or fraudulent.

Since nobody's mentioned it yet, http://bikeline.co.uk/ - proper NWNF solicitors who specialize in cycling accidents and don't do a con job or screw you around, but simply deal with your claim and make it as painless as possible for you (and claim their fees direct from the driver's insurance). They will sort out appointments with private doctor for you to assess injuries (when I had something similar I just turned up to see the doctor they arranged when told) and totally manage the claim saving you a lot of hassle.

Oh and for those who've had the insurance company settle quickly with them when they've had injuries - you do realise that they'll have paid a huge amount less for the injury bit than if you'd got it all assessed properly - hence why they were so eager to settle quickly before you had second thoughts.

i'm glad you're not dead.

cynic-al - Member
no need to read anything other than your post.

I rest my case.

Would your mother be proud?

Very - does your Mum know you're such a ***** ❓

Ask me why i'm so fat 'al'... 👿

aracer - Member
contemptable, and exemplifying everything that is wrong with Britain today.
You're referring to drivers knocking cyclists off their bikes, right? Can't see anything else on this thread which is any way illegal or fraudulent.

Since nobody's mentioned it yet, http://bikeline.co.uk/ - proper NWNF solicitors who specialize in cycling accidents and don't do a con job or screw you around, but simply deal with your claim and make it as painless as possible for you (and claim their fees direct from the driver's insurance). They will sort out appointments with private doctor for you to assess injuries (when I had something similar I just turned up to see the doctor they arranged when told) and totally manage the claim saving you a lot of hassle.

Oh and for those who've had the insurance company settle quickly with them when they've had injuries - you do realise that they'll have paid a huge amount less for the injury bit than if you'd got it all assessed properly - hence why they were so eager to settle quickly before you had second thoughts.

8)

Hands pretty swollen up now and my head hurts a bit. Hopefully it'll be gone in the mroning otherwise I might go and see a doctro.

i'm glad you're not dead.

I'm sill glad!

I hate this pathetic claim culture. If she's admitted liability just ask her to pay for your wheel rebuilt, a new lid and accept her apology and get on with it.

everyone wants somethin for nothin these days, have some dignity.

Go and see a Doc. No not for compo reasons but to ensure there is.t something hairline etc there. You arent the Doc

dirk_pumpa - Member
I hate this pathetic claim culture. If she's admitted liability just ask her to pay for your wheel rebuilt, a new lid and accept her apology and get on with it.

.
Yep and the results of my injury is I have confirmed Arthritis and my knee
now constantly clicks and not easy to bend

Heal up soon.

Whilst I'm not in favour of insurance fraud or ambulance chasing [b]at all[/b], there has to be a cost attached to drivers knocking cyclists off of their bikes and injuring them doesn't there?

If we all just shrug it off and shake hands manfully then aren't we sort of saying it's OK?

I was knocked off when a car I was passing pulled out into me...****ing hurt but the bike and kit seemed okay.

She was 100% in the wrong and admitted it, we exchanged details and that was it.
I ended up with a massive bruise down one arse cheek/leg but that was it so I didnt bother claiming for anything even though her insurance rang me a couple of times to check, they seem to be expecting me to.

I is clearly nails!

I is clearly [s]nails![/s] daft

FTFY

In the incident where I got hit by a car I had a big bruise on my hip which meant I was hobbling for a week or so and couldn't run for a couple of weeks. Missed an event I was planning on doing. Not really sure why claiming compensation for that is "pathetic claim culture" or "somethin for nothin".

To all those who think claiming for injuries received when hit by a car is part of a "pathetic claim culture" - you're getting confused. Car insurance is specifically to cover for injuries caused to other people due to drivers' mistakes - why exactly should you not claim compensation for such injuries? It's not like your life is just the same as if you hadn't been hit by a car - at minimum you have pain, and more than likely it will affect your life in other ways (in that you can't do what you normally could for some period). [b]I[/b] hate the tendency of some people on here to suggest it's part of a claim culture and that you shouldn't claim for such injuries because they're bothered about their insurance premiums.

Note: the correct use of "claim culture" is when people make claims for injuries which were their own fault.

To the OP - get in touch with the company I gave a link to (or some other similar company - there are a few around which other people normally recommend on such threads, it's just Bikeline I have experience with). They'll get a doc to assess your injuries and make a claim for them. Why shouldn't you be entitled to some compo for your pain, suffering and inconvenience?

I dont think people are objecting to a legitimate claim for actual losses what they are objecting to , and rightly IMHO [ al for example] is the advice tom "milk it" for all it is worth which suggests to gain as much as possible rather to reclaim actual losses.

I disagree with your definition of claim culture as it about claiming for anything you can rather than just faking it - the later is just fraud surely.
For example my sons school suffered vandalism resulting in a injury to him on a piece of equipment when the school did not know it had bee broken and he was hospitalised...nothing major or life threatening. We would have won a claim v the school but did not...claiming would have been legitimate but would have been part of claim culture. I filed it under shit happens tbh
In this case [OP's] i would claim for legitimate losses but would not milk.
i could not find a definition of claim culture online with a quick Google

nice mail link though and example to show what I think most folk mean and why many disapprove 😉
http://www.****/news/article-2149648/The-historic-carnival-killed-claim-culture.html

Note: the correct use of "claim culture" is when people make claims for injuries which were their own fault.

fail- back of the class for you.

I think most right thinking people would describe it as Junkyard did above as taking a claimable opportunity and using it to enhance ones life (normally monetarily) beyond what is reasonable to put right the wrong you were done.

Maybe it's a generational thing - there seem to be more young adults of claimable age who see "milking it" as reasonable and expected practise.

I rightfully claimed for damage even though I am still riding the parts carbon stem,handlebars seatpost the forks I will be changing,I just went with the advice from the shop.I was going to go sick from work but would have lost about a £1k in tips so I battled through the pain barrier so they did not have to pay loss of earnings so they got of lightly 😉

Car insurance is specifically to cover for injuries caused to other people due to drivers' mistakes...

No. It isn't. It's a legal requirement to cover other peoples losses.

Going 'ow' when you get out of bed isn't a loss. Damage to your gear and replacing that is.

I'm not against folk claiming when they are clobbered. But the assertion that insurance is for that SPECIFICALLY is a bit OTT.

Get in touch with http://www.cycleaid.co.uk/site/home/

They'll send you all the paperwork and lead you through it all step by step

Thanks again for all the advice.

I went to the hospital, got my hand checked, I think its ok. I went to the bike shop and I'll be taking my bike in on monday for a damage assessmet.

I'll go the solicitors on monday and see what they ahve to say.

I dont really have the right mindset for "milk it for all its worth". Probably my upbringing, or the fact I live in a quaint market town where people will rush out of their shops to come and mop the blood from your cuts and scrapes after an RTA!

Perhaps I need to spend some more time in the big bad (real?) world!

If I get some money to cover all my bicycle issues then I'll be happy.

Going 'ow' when you get out of bed isn't a loss.

How major an injury do you have to have for it to be a loss then?

But the assertion that insurance is for that SPECIFICALLY is a bit OTT.

Not when it's factually correct!

nice mail link though and example to show what I think most folk mean and why many disapprove

Hmm - there's an claim for an injury which was the fault of the person injured. So most people agree with me then?

I dont think people are objecting to a legitimate claim for actual losses what they are objecting to , and rightly IMHO [ al for example] is the advice tom "milk it" for all it is worth which suggests to gain as much as possible rather to reclaim actual losses.

Thanks Junkyard for bringing this back on topic. IMO the OP [i]should[/i] claim for legitimate costs and compensation. And I'm glad he's largely ok.

'Milking it' is just immature and showing a gross sense of entitlement, driving up the costs for the rest of us, and would be fraudulent IMO. But it was not the OP who suggested he would do this. Some other muppet who hasn't even been knocked off his bike and suffered the consequences 😯

I hope they are not insured with Swiftcover! My mate got knocked off last Nov and his bike was written off. He is still waiting for a pay out!

Junkyard - Member
I dont think people are objecting to a legitimate claim for actual losses what they are objecting to , and rightly IMHO [ al for example] is the advice tom "milk it" for all it is worth which suggests to gain as much as possible rather to reclaim actual losses.

I disagree with your definition of claim culture as it about claiming for anything you can rather than just faking it - the later is just fraud surely.
For example my sons school suffered vandalism resulting in a injury to him on a piece of equipment when the school did not know it had bee broken and he was hospitalised...nothing major or life threatening. We would have won a claim v the school but did not...claiming would have been legitimate but would have been part of claim culture. I filed it under shit happens tbh
In this case [OP's] i would claim for legitimate losses but would not milk.
i could not find a definition of claim culture online with a quick Google

nice mail link though and example to show what I think most folk mean and why many disapprove
http://www.****/news/article-2149648/The-historic-carnival-killed-claim-culture.html

Nice edit there..

However if the lads been knocked off through no faulty of his own (see OP) and the other party has admitted liability (again see OP), then he has the RIGHT to claim.

By "milk it" means a claim should be made for any and ALL damages caused by the accident - no more but absolutely NO LESS.

Call it claim culture, call it what you want. However this claim is a genuine claim and therefore deserves all the compensation OFFERED to him by the 3rd party's insurance company.

brooess - Member
I dont think people are objecting to a legitimate claim for actual losses what they are objecting to , and rightly IMHO [ al for example] is the advice tom "milk it" for all it is worth which suggests to gain as much as possible rather to reclaim actual losses.
Thanks Junkyard for bringing this back on topic.

You mean for agreeing with you... 🙂 🙄

IMO the OP should claim for legitimate costs and compensation. And I'm glad he's largely ok.

Yep imo too. 🙂

aracer - Member
Going 'ow' when you get out of bed isn't a loss.
How major an injury do you have to have for it to be a loss then?

It does make you wonder...

aracer - Member
To all those who think claiming for injuries received when hit by a car is part of a "pathetic claim culture" - you're getting confused. Car insurance is specifically to cover for injuries caused to other people due to drivers' mistakes - why exactly should you not claim compensation for such injuries? It's not like your life is just the same as if you hadn't been hit by a car - at minimum you have pain, and more than likely it will affect your life in other ways (in that you can't do what you normally could for some period). I hate the tendency of some people on here to suggest it's part of a claim culture and that you shouldn't claim for such injuries because they're bothered about their insurance premiums.

Note: the correct use of "claim culture" is when people make claims for injuries which were their own fault.

Here, here.

specifically to cover for injuries

It just isn't. Really it isn't. If it was it wouldn't cover damage to property. It's mis-use of the word 'specifically'. It should naturally cover property and loss of earnings etc. Compo is where it starts getting woolly.

If the insurance company offer you money, take it. If you want to chase it, it's up to you; so long as you are honest you are doing no wrong to anyone.

It's the suggested silliness to maximise a payout that seems immoral. To me at least. Everyone has their own moral dipstick.

The OP wasn't knocked off on purpose

The OP wasn't knocked off on purpose

Probably not, but I don't see how that could be taken as precluding a claim for compensation.

The incident doesn't sound like an accident, the OP should not be suffering material loss or injury because of another's innattention or misjudgement.

You're referring to drivers knocking cyclists off their bikes, right? Can't see anything else on this thread which is any way illegal or fraudulent.

Since nobody's mentioned it yet, http://bikeline.co.uk/ - proper NWNF solicitors who specialize in cycling accidents and don't do a con job or screw you around, but simply deal with your claim and make it as painless as possible for you (and claim their fees direct from the driver's insurance). They will sort out appointments with private doctor for you to assess injuries (when I had something similar I just turned up to see the doctor they arranged when told) and totally manage the claim saving you a lot of hassle.

Oh and for those who've had the insurance company settle quickly with them when they've had injuries - you do realise that they'll have paid a huge amount less for the injury bit than if you'd got it all assessed properly - hence why they were so eager to settle quickly before you had second thoughts.

Jonathon Lear at bikeline took care of me when i was knocked off a few years back very professional and highly reccomemmded by myself

The last time i had an rta i was a mile down the road before the unmarked traffic cop who witnessed the incident caught up with me to give me his card.

He called me later that day to tell me the lorry driver had been slapped with a six hundred pound fine which he payed on the spot!?

I'm obviously not saying there is never a claim.. just i think most people are thinking what they'll do with the bag or two which will soon be dropping through the letter box as they're getting up off the floor.

wheeling out a sob story to some insurance ****er is not something i can be arsed with, and if i ever do need to file a claim i doubt i'll have to ask the internet for advice on how i should go about it.

The last time i had an rta i was a mile down the road before the unmarked traffic cop who witnessed the incident caught up with me to give me his card.

what about the first time you had an RTA?

the van driver put my bike in the back of his van and drove me home. now that one was a proper rta! and the reason i've had few since 😀

Did you get any money off him for repairs to your bike?

just i think most people are thinking what they'll do with the bag or two which will soon be dropping through the letter box as they're getting up off the floor.

Nope - the last thing on my mind. I don't see what's wrong with claiming for damage done to my kit and to me though. If you can't be arsed with claiming I presume you've never had major damage done to your bike or your kit or ended up limping afterwards.

When I was spinal boarded to A&E (nothing major thankfully), the drivers insurers rang me after fracture clinic the next morning. They offered solicitors to act on my behalf (I took this up - perhaps I shouldn't have done, but they have seemed to act fairly throughout). I limped to the bike shop and put £100 deposit on a new carbon road bike after clinic, after they told me the driver had admitted liability to them (as well as me, the paramedics and the police the night before).

The shop mechanic used his mechanic hands to show the carbon frame on my bike was gone- he squeezed the top tube with more force than I am capable of - it bulged and cracks were visible!

I had £1000 interim payment within a week. Cost of damaged clothing and bike replacement in full a month later. Injury payment after assessment by independent doc, though this took 6 months. I read his report which said physio could be useful so I asked them to increase the payment they had offered so I could get some private physio for the shoulder and neck that was still niggling.