Should i ask for compensation for my bike and loss of earnings?

[Mile195]

In car terms, it does sound like it would be a "50/50" accident really. But, that said, most cycling clubs have insurance. Would damages arising from such an incident whilst on a club ride be covered by that?

 

[MarquisMatsugae]

Or "floating off the Lancashire coast, with a window cleaners bucket rammed on your head and squeegee up your backside, cyclist"

Has quite a catchy ring to it

 

[cisamcgu]

Presumably you are self employed ? Then I assume you have some insurance if you are unable to work ?

 

[GrumpyGregry]

And you won't be Accy Cyclist any more.
Probably St Ives Cyclist

Coventry, surely?

 

[Starchivore]

It's really bad luck, it's rubbish.

But I would say that it's one of those that you have to take on the chin. It was a bit of bad luck in a group ride, it can happen. Not the same as being struck by someone driving dangerously. Maybe they weren't all that experienced.

 

[Crackle]

You're self employed in a physical job and have no kind of income protection so you're looking to pass the blame for your own lack of foresight or planning for such an incident.

 

[Globalti]

Minutes before reading this I cut the grass and my mower shot a stone into the patio door, which shattered.

Insurance excess is more than the cost of replacement glass.

It's an accident. I'm taking it on the chin. End of.

 

[I like Skol]

Minutes before reading this I cut the grass and my mower shot a stone into the paio door, which shattered.

Insurance excess is more than the cost of replacement glass.

It's an accident. I'm taking it on the chin. End of.

Do you not think you should sue the lawnmower manufacturer? It isn't just the cost of replacing the glass you know? You have to consider the inconvenience and distress, it could have taken somebody's eye out! (you were wearing safety goggles weren't you?)

 

[Accy cyclist]

Some strong opinions here so be warned if it isn't what you want to hear....

Idiots like you stop a lot of volunteers organising things for the benefit of others. Idiots like you mean the rest of us end up paying disproportionate inflated insurance premiums when we try to protect ourselves against REASONABLE losses. Idiots like you are making a fortune for the pseudo-legal industry, ever wondered why all the adverts on the radio for reclaiming PPI/had bad guts on holiday/been involved in a trip, slip, fall/bought a timeshare and don't want to pay your bill anymore, are playing endlessly.
Grow up and be a big boy. Cycling is safe but like many things in life (in fact everything) it is not entirely risk free. From your description it would seem the other rider was not negligent. These things happen, get over it.

You know, if you just said that without calling me an idiot over and over again i'd accept your reply. I'm sat here and can hardly walk. I was just inquiring that's all.

 

[I like Skol]

You know, if you just said that without calling me an idiot over and over again i'd accept your reply. I'm sat here and can hardly walk. I was just inquiring that's all.

I was worried you might miss it the first time!

Before anyone says it, I have been self employed for 13yrs so know what it means if I couldn't physically work.

 

[Bollo]

Has quite a catchy ring to it

True. It reminded me of The Smiths.

 

[Accy cyclist]

You're self employed in a physical job and have no kind of income protection so you're looking to pass the blame for your own lack of foresight or planning for such an incident.

When have i said that i don't have insurance? I do, but claiming from them puts my premiums up.

 

[Pale Rider]

I was worried you might miss it the first time!

Before anyone says it, I have been self employed for 13yrs so know what it means if I couldn't physically work.

I'm all in favour of putting such group riding incidents down as just that - I was responsible for something similar with my group.

But a lasting physical injury to either party does put a different complexion on it, to which there is no easy answer.

 

[Rooster1]

No, you should in no way be taking this any further. Fix the parts, recover, get back on your bike, forgive and forget.

 

[Crackle]

When have i said that i don't have insurance? I do, but claiming from them puts my premiums up.

Well good. Use it, Accy that's what it's for. You've a lot more to lose going down the other route.