I’ve had a few questions from people who’ve been in a cycling accident (official term: incident) and to help clarify when you can and can’t make a claim, I’ve asked Ben Davis from CAMS to help out with explanations of common scenarios.
If your question isn’t answered, feel free to use the form below and Ben will give you a call back to discuss your situation.
I was knocked off and the driver drove off without stopping? Could I still claim losses?
In this instance, it is very difficult to put a case together. Somebody has to be liable for costs. In the event of an injury, and so long as the accident and injuries have been reported to the police, sometimes the case can be taken on by going through the Motor Insurers Bureau (MIB).
I hit a big pot hole and damaged my bike. Will the council pay up?
This is again a tricky one. Councils are liable for maintaining roads, however, we have to be realistic here as to how much we can expect councils to be on top of this – especially over winter, where pot holes are springing up all over the place.
If there is a serious injury, and the pothole has been there for sometime and is over a certain depth, it may be worth pursuing a claim for damages.
A pedestrian stepped out on me, causing me to fall, is he liable?
Again, this isn’t really feasible. The pedestrian could well by liable, but if it was just an accident, and the pedestrian has no insurance. The same goes for cyclists taking each other out, if the offending rider does not have insurance, you are already on the back foot.
Personally, I would prefer it stays this way, I like not having to pay insurance to ride my bike, or walk to the shops!
I need my bike to get to work, I was in a non-fault accident, my bike is unrideable, and the driver has refused to acknowledge this and pay up. What can I do?
So long as the drivers details, and registration number were obtained, we can help you out. We will pay for the repairs to your bike upfront, and provide a hire bike for you to use in the mean time. It can be delivered whenever most convenient. All costs will eventually be covered by the third party insurance company.
Will I be compensated for my injuries and loss of earnings?
If you decide to claim through a company such as CAMS then yes, this is all covered as part of the legal process. No costs will be required of you at any point.
Can I deal with the third part insurance company directly?
Presuming the driver has admitted liability, this is certainly an option. They will sometimes settle quickly and without fuss, however, this is often not the case.
Will my bike be repaired at a dealer of my choice?
CAMS work with most independent bike shops within central London. This is all part of our service, your bike will remain at the shop, and you deal with your local guy/girl with respect to any repairs undertaken.
I don’t have the means to get my bike to a repairer…
A few of our dealers provide a London wide courier service.
I am not sure who was at fault?
Fill in the form at the end of this post to discuss, it is impossible to say without knowing all the details, each case is individual.
How much compensation will I receive?
The amount of compensation will depend on the severity of the cycling incident, the effects, long and short term it has had on the individual, and many other variables. It would be unprofessional to give a guideline costs, as it can range from hundreds to tens of thousands of pounds.
How long will it take?
The cycling accident claim process from start to finish can be done in a few months, or could take years it all depends again on the severity of the incident. Usually, the more serious the incident, the more complicated it is, and e longer it will take. Rest assured, your bike will be sorted straight away, and we won’t leave you hanging to get back on the road.
I can’t afford public transport, but I need to get to work…
CAMS will provide you a hire bike, if you are fit to ride. This won’t cost you anything, and you can have it as long as you need, or until the case is settled or your bike has been repaired.
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As seen on The Guardian, BBC and The Independent.