Heading down my road for the usual Wednesday night ride rendezvous I was being a bit of a prat, looking down at something on my bike whilst following a car. We had already both stopped once to allow oncoming traffic pass parked cars. Anyway, I looked up and…..too late saw that the car had stopped again. I grabbed the anchors, but hit the back of the car at probably 10-15mph. Totally my fault.
Nice late middle aged couple in the car. Were more concerned about me than anything else, and I apologised a lot and took responsibility. Looking at the car I noticed that I had put a small dent in the boot hatch and a scratch there. There were probably other small scratches on the bumper. After a couple of minutes recovering (something hit my knackers quite hard), we swapped details. I’m fine. I will probably ache a bit in the morning, but my ‘injuries’ are a grazed knee and an abrasion/bruise on my inner thigh where, i think, the nose of my saddle went. It didn’t stop me from doing the usual ride.
So, clearly I broke rule number one, if only for a second. Now, I don’t want to break rule number one again, but clearly I am not insured.
Surely a few STWers have been in this position, what happens next? Presumably, they get the car fixed and send me the bill and that is that?