In my first few months of cycling in London, I always remember an incident with my friend Alex. We were pedalling along King William Street, on route to London Bridge, about 5 minutes from our house at the time.
With Alex about 5 metres ahead of me, a passenger opened the car door in to Alex’s path and sent him flying off the handlebars. I feared for the worse. Fortunately, Alex, stood up, seemingly unscathed. He had a few cuts and bruises, but nothing was broken.
The passenger apologised nonchalantly, like it wasn’t his fault, quickly glanced at the car door and walked off. I sat with Alex for a moment and we decided to walk the rest of the way home. He was clearly shaken up.
We could immediately see the front wheel would need replacing and when we got home we also discovered the frame was cracked. Alex would be needing a new bike.
Alex was lucky, things could have been much worse. However, I always look back at the moment and think, if that was a car accident, we’d be exchanging details with the driver. Their insurance company would be paying for the repairs to the bike and any other bills that would have arisen from their carelessness. There was something about being on a bicycle that made us think “oh well, my bad luck”.
Little did I know at the time, the passenger had broken the law by hitting Alex with his car door and the driver would have been liable.
Alex could have made a claim on the drivers insurance company and received compensation to buy a new bike. In the end, he had to pay for it, out of his own wages. He could even have had a replacement bike, while he searches for a new one.
Most cyclists don’t realise this. Most people would react in the same way: “oh well, my fault, guess I better fork out for a new bike”.
When I met Ben from CAMS, he relayed many similar stories to me. His company helps cyclists in an accident. They provide a replacement bike while you search for a new bike, they’ll cover any medical bills and they’ll cover the cost of replacing your bike or getting it repaired. Then, they’ll file a claim against the drivers insurance company on your behalf.
When I was first approached about promoting the company to my readers, I was understandably cautious. You see so many cheap looking adverts on TV for accident claims. I didn’t want anything to do with that industry.
However, that incident with Alex reminded me that it’s important for cyclists to feel protected on the roads, to not just chalk it down to bad luck and to claim, in the same way a car driver would, for their damages.
I thought about that passenger, checking his door before he even checked my friend who was lying in front of his bike and decided that I should offer London Cyclist readers this service.
My condition to Ben was simple. My readers would get a personalised service by going through Ben for any questions they have, as I knew and trusted him and didn’t want them referred to someone pushy. I wanted them to have the opportunity to just talk it through with someone and see if its worth taking further.
If you have any questions about an accident you’ve been in, during the past 3 years, then you can get Ben to give you a call back by filling in the form below.
- CAMS work with your local bike shop of choice
- Ben does sometimes allow himself a holiday! If that’s the case, rather than wait for his return, you’ll receive a call from one of his experienced colleagues.
- Even if there is no injury, you can still claim for your bike repairs.
- CAMS is regulated by the Ministry of Justice in respect of regulated claims management activities, authorisation number: CRM2490