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?
Not knowing the driver’s identity or having a vehicle registration makes this very difficult. Your best option is to scour the area for CCTV cameras and work with the police to obtain footage containing the vehicle registration.
Failing this you can lodge a claim with the Motor Insurers’ Bureau (MIB). The MIB provide compensation for victims of accidents caused by uninsured or untraced drivers. Unfortunately, this can be long winded and pay-outs are often minimal.
I hit a big pot hole and damaged my bike. Will the council pay up?
While councils are liable for maintaining roads they can be tricky to claim off. A good rule of thumb is: if substantial losses have been incurred and the pothole is deeper than 40mm then you can make a claim. Small claims for small potholes may see you out of pocket and out of time.
A pedestrian stepped out on me, causing me to fall, are they liable?
This is rarely feasible and highly dependent on circumstance. Pedestrians are almost never going to be covered by insurance either. All road users have a particular duty of care towards pedestrians. Trying to imagine a likely scenario where the pedestrian is liable for those damages is difficult.
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 driver’s details and registration plate were obtained CAMS can help you out! Whether it’s a repair or a replacement bike needed we’ll have you back on the road as soon as possible. Any losses you’ve sustained can be claimed back from the driver’s insurer.
Will I be compensated for my injuries and loss of earnings?
That’s up to you. If you’ve been injured, even slightly, or sustained any loss of income then CAMS can make a claim on your behalf.
Can I deal with the third part insurance company directly?
Insurance companies have a commercial interest to pay out as rarely and as little as possible. If liability is clear and admitted by the driver, you may get a settlement for damaged goods. Play it safe and give CAMS a call, we’ll do the debating for you.
Will my bike be repaired at a dealer of my choice?
Yes, 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 depends of the severity of the injury and losses. CAMS will get your injuries assessed by a medical professional at a time that’s convenient to you. It would be unprofessional to take guesses. Compensation ranges from thousands to hundreds 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 the 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.