Cycling to work – Knocked off bike :( – Need advise

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  • Cycling to work – Knocked off bike :( – Need advise
  • Hi folks,

    Monday 26th January 2011

    6.50am – Happily on my usual commute to work

    6.55am – Knocked down by a motorist coming out of a junction, onto his bonnet, and then in a heap on the road.

    2 Police Offiers on there way to work stopped and helped, although they did not witness the incident.

    The driver that hit me stopped and helped also and admitted he did not see me???

    Front light in use at the time Hope Vision 2, so how he did not see me, i will never know!

    Police and Ambulance were called and i was soon strapped to a streacher and off to the local hospital, check over by 2 Doctors, nothing seemed to be broken, so sent home to recover.

    Woke up this morning in a bit of pain to say the least! πŸ™ Achey in places that were not even sore yesterday. The Police informed me that the driver will be getting charged for careless driving.

    My Gore jacket is ripped, Giro Xen is cracked, front wheel is buckled beyond belief, cant rotate it due to it fowling on inner fork legs and they are wide ( eXotic carbon 29ers )

    I have not even had a chance to properly look over the rest of the bike for damage, think i will take it to my LBS to make sure the frame / forks are not bent.

    What to do now claim wise?

    Now im unsure what to do / who to get in touch with to find out???

    Alan.

    thomthumb
    Member

    russell jones and walker are the CTC lawyers.

    leigh day are the british cycling lawyers.

    either i’m sure will do a good job.

    HTH.

    PS start a diary – now. record incident in as much detail as possible & any pain you have. in 4 weeks time when you see a doctor it’ll all be a bit vague.

    TandemJeremy
    Member

    Claim is against the drivers insurance. if he is being charged then it should be fairly easy.

    Premier Icon deadslow
    Subscriber

    And pictures of all damage to man and machine and when you are out and about pics of junction etc.

    Premier Icon Lifer
    Subscriber

    Hope you recover and are fit and well soon!

    Get to your GP and get all injuries, aches pains etc logged on your medical record.

    Join The CTC. Phone their accident line and speak to an advisor.

    RJW are very good*

    *from personal experience.

    Premier Icon crazy-legs
    Subscriber

    This Thread has some very useful info.
    Are you a member of British Cycling or CTC? If so, then contact them. If not, then they won’t help, you’ll have to try one of the cycling solicitors listed in the back of Cycling Weekly or one of the other mags.

    Best of luck getting it sorted.

    Yowch!

    Even if those forks look fine, I wouldn’t be using them again.

    project
    Member
    TandemJeremy
    Member

    Your LBS should be able to give yo a cost to repair the bike.

    Claim off the drivers insurance for the cost of bike repairs plus the replacement kit plus a chunk for injuries ( ides of how much should be available – criminal injuries compensation guidelines or similar). given the driver being charged and do not take the pee should be no great issue. reject their first and second offer as too low.

    don simon
    Member

    Cycling to work – Knocked off bike πŸ™ – Need advise

    Normally my advice would be to fly though the air before landing in a heap on either the bonnet or on the floor.
    Seriously, I can’t add to the above and hope damage is not serious to you, your pride or the bike.

    Premier Icon postierich
    Subscriber

    Samething happened to me just before christmas driver admitted it and police asked me if I wanted to take it further which I did not.Got in touch with my union solictors they are dealing with it no permanent damage just sore ribs for 6 weeks hoping to recover damage to bike and a couple of grand for my ptsd!

    pistonbroke
    Member

    Sod the claims for bits and pieces, if you’ve been asleep for over a year you need to be claiming thousands for lost income. 26th of Jan was last Thursday as well.(or did you get the year wrong?)

    duntmatter
    Member

    Leigh Day & Co are very good*

    *from personal experience.

    I assume it wasn’t 2011 – I don’t think they send coma victims ‘home to recover’ πŸ™‚

    crankboy
    Member

    Just to correct tj cos it amuses me the better guidelines are the judicial studies board ones . I did my own claim as I thought it would be easier for me. I’m now sure its better to use a personal injury solicitor

    spursn17
    Member

    Lots of useful info there.

    Bikeline were great when I contacted them, the whole process went really smoothly and they kept me informed regularly. I got the impression that they were cyclists themselves.

    Very happy when I got my payout.

    Premier Icon bigjim
    Subscriber

    CTC won’t help you if you weren’t paid up member and covered at the time of the incident, I tried that.

    Check your home contents policy if you have one, I did, about 2 weeks after the claim period for damage to my bike ended.

    One big thing is witnesses, to make a claim you/legal person needs to build the case. I didn’t get any witnesses as I was too busy lying in a heap, and the cops didn’t take any witness details, so I never found out what actually happened.

    Thanks to all who took the time to reply, much appreciated. OMG – pistonbroke, i am mistaken, what a clown, it was yesterday Monday 30th January 2012 – Must have been the bump on the head! πŸ˜‰

    TandemJeremy
    Member

    crankboy – Member

    Just to correct tj cos it amuses me the better guidelines are the judicial studies board ones . I did my own claim as I thought it would be easier for me. I’m now sure its better to use a personal injury solicitor
    (I did put “or similar”) but that you would now use a solicitor is interesting – it would / will cost a fair chunk I guess. I take it it was a load of hassle

    Jujuuk68
    Member

    edited – cant be bothered – sorry.

    jota180
    Member

    If you’re in a union alandavidpetrie79 – they will sort the legal stuff for you

    crankboy
    Member

    Tj the insurance co on the other side were a royal pain to deal with refused to discuss quantum in sensible terms and tried to renege on agreed points. They did pay for the expert medical who did a fair report. I kept negotiating on the basis of the jsb guidelines for my injuries they tried to use their experience. I’m convinced getting another lawyer to act for me would’ve saved me a lot of frustration.

    Personally I got bored and annoyed and settled about a grand short of what the claim was worth. I also recovered my legal costs in terms of letters and phone calls at private client rates so know another lawyer would have recovered full costs . A lawyer who acts for himself has a fool for a client.

    If the op is genuine most solicitors would take the case on very affordably and he should end up paying nothing.

    If the op is an accident claims management company people need to understand they are an expensive rip off.

    adi66
    Member

    I had pretty much the same thing happen to me on the 2nd december 2011. i used http://WWW.CYCLECLAIMS.CO.UK and they (Clair Noon was my contact) where brilliant…. I got 3K new for old on my Whyte that I was punted off… and i’m still waiting for the payment for my injurys (broken rib, cuts bruises stress 2 days off work etc..)

    TAKE LOT OF PHOTOS OF YOUR INJURYS AND THE BIKE…. REMEMEBR THAT OLD BATLE SCAR ON YOUR BIKE “MAY” HAVE BEEN CAUSE
    D IN THE ACCIDENT πŸ˜‰

    TandemJeremy
    Member

    Ta Crankboy

    crankboy
    Member

    Remember that old battle scar may actually get you arrested for fraud if you are stupid enough to include it in your claim.

    Hey jujuuk68 bet you wish you’d not deleted your post now !

    crankboy
    Member

    Not worth saying twice. Double post

    On the CTC thing, When I was hit I wasn’t a member, but I called them the following day and joined and they agreed to cover me. It’s worth trying.

    Jujuuk68
    Member

    Crankboy, you’r right! And I guess you also suspect I was right.

    But without proof, it was possibly forum banning material, and I do like coming here…..

    Premier Icon aracer
    Subscriber

    but that you would now use a solicitor is interesting – it would / will cost a fair chunk I guess

    I think crankboy covered this, but didn’t quite say it straight – the fair chunk it costs to use a solicitor is of no disadvantage to you, as the driver’s insurance will pay for your solicitor (with no impact on your payment if you use a proper firm rather than a rip-off merchant). If anything it’s actually an advantage as it gives them an incentive to settle sooner when their bill keeps going up the more they mess around.

    You might be able to get the CTC to work for you, but no real point when the other solicitors mentioned will be more than happy to take on the case mentioned by the OP. The only reason I can imagine that the CTC legal firm would happily take such a case on for somebody who wasn’t a member is because they’re effectively working on the same basis as any other no-win-no-fee firm, and with such a strong case (I hesitate to say straightforward from my personal experience!) they’ll be sure of getting their fees.

    Jujuuk68
    Member

    Oh, and for ADI, I now have a screen print of your attitude to truthfullness.

    As I work for an insurer, and have a duty to investigate fraud, Ms Noon may be getting a call this week, requesting full information under s29 of the DPA, for the prevention of fraud, and if your claim is aginst an insurer who I work for, your claim may be “delayed” a little. Once we have established who you are, your online CUE data will be ammended, and I suspect any agreed settlement will be blocked, whilst we ask the medical expert some further questions about your prognosis, particularly in light of the fact your oral responses to the expert may be subject to “motivational” concerns.

    Actually, I am joking, I can’t be bothered on this occasion, and I’m up to my ears in far more serious fraud to waste the time, but my last insurer did used to go through “Fast Ford” and “revs” magazines and the like (We specialised in modified cars, young and convicted drivers), and check the cars and the declared mods, against those boasts made in the mazagzines. Good source of additional premium income it was.

    Don’t forget, what you say on the net can be traced to you, admitting to possible fraud is stupid, don’t do it.

    Poor bike πŸ™

    Premier Icon D0NK
    Subscriber

    Ooof carbon forks too, wonder if LBS will recommend replacement, tricky to see internal damage without an xray I believe (an engineer may be along shortly to call me an idiot)

    PS lights that are great for night riding don’t always have enough spread for motorists pulling out of side roads to see. (tho I’m not mitigating what happened)

    Yeah, carbon bars too πŸ™

    Im going to get my LBS to give it a once over, see what they say, don’t think carbon likes impacts!

    Premier Icon monkeyp
    Subscriber

    Try your house insurance. I got my claim sorted out through Dirct Line family cover which came with the house policy.

    I was hit by a car at a roundabout. Wrote off the front end, badly sprained shoulder and bruises. Even though there was a witness, the driver admitted liability, an ambo was called, I reported it to the police and went to hospital it took 18 months to get sorted out!!

    Mostly down to the drivers company insurers.

    They paid for a full bike replacement, helmet, injuries and compensated for travelling costs associated with not having an alternative bike and having to drive/be driven whilst recovering.

    Keep a track of all of your associated costs, take photos of damage and injuries and of the place where it happened. Draw a sketch of the incident and just record everything.

    adi66
    Member

    juuuk68 – point taken, thanks / sorry. Mouth shut.

    Hi Folks,

    Thanks again to all that got in touch, turns out ‘cycleclaims’ and ‘bikeline’ don’t take on cases in Scotland, as the law is different πŸ™

    Home insurance only covers theft from my lock-up πŸ™

    Thanks to jota180 – Im in the Union at work and have already contacted them, so may just go with them,

    Cheers,

    Alan.

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