Hit and Run Road Rage Incident Advice

[bpsmith]

It seems to be a common theme though.

Certainly does. Sadly, the longer it goes on, the less that I want to drag it all up again. Might think different if I don’t get any joy with Leigh Day possibly. Will cross that bridge as and when it happens.

An interesting thing that LD told me is that the car insurance company will want to know the age of all the kit, as they will only pay market value after depreciation. This includes parts that need replacing, irrespective of whether a whole bike is replaced. I could just imagine a car driver’s face if they said ‘your wheel was destroyed by our insured, so will need replacing, so here’s £12.50 as it’s a few years old now’...

 

[classic33]

Certainly does. Sadly, the longer it goes on, the less that I want to drag it all up again. Might think different if I don’t get any joy with Leigh Day possibly. Will cross that bridge as and when it happens.

An interesting thing that LD told me is that the car insurance company will want to know the age of all the kit, as they will only pay market value after depreciation. This includes parts that need replacing, irrespective of whether a whole bike is replaced. I could just imagine a car driver’s face if they said ‘your wheel was destroyed by our insured, so will need replacing, so here’s £12.50 as it’s a few years old now’...

That last part doesn't sound right. I'd always thought insurance was meant to put you back to where you were before.

 

[bpsmith]

That last part doesn't sound right. I'd always thought insurance was meant to put you back to where you were before.

I assumed the same tbh, although a few years ago I had a motorbike accident and they did deduct for depreciation from the settlement for my specialist clothing.

That accident was very different as it was a genuine mistake which the van driver was mortified about. Bike was written off and I retired from riding after months of physio for a pretty slow speed collision.

In typing this reply, I just realised that the money they paid out for the bike (minus my outstanding loan) was what paid for the Bianchi that was damaged in this incident. That’s bad karma right there. Lol

 

[classic33]

I'd wait until you hear from LD, don't write it all off yet.

 

[bpsmith]

I'd wait until you hear from LD, don't write it all off yet.

I agree. LD have been good so far. Definitely worth the BC membership cost, fair play.

 

[Drago]

I assumed the same tbh, although a few years ago I had a motorbike accident and they did deduct for depreciation from the settlement for my specialist clothing.

That accident was very different as it was a genuine mistake which the van driver was mortified about. Bike was written off and I retired from riding after months of physio for a pretty slow speed collision.

In typing this reply, I just realised that the money they paid out for the bike (minus my outstanding loan) was what paid for the Bianchi that was damaged in this incident. That’s bad karma right there. Lol

They tried that with my daughter when she was wiped off her scooter. I informed them that safety gear needs to be maintained and stored fastidiously to ensure it performs as designed. I then went on to tell them that if my daughter was forced to buy used safety gear of unknown provenance, and in a future accident that failed to protect her as it should then I would further be suing them for those injuries.

Without further argument they paid for a new helmet, jacket and gloves.

You're ultimately entitled to be restored to your pre-accident position, period (as they say in the colonies). They will try all sorts of wheezes and excuses, and many (like existing wear and tear on your damaged kit) may even sound plausible, but its an irrelevance.

 

[Deleted member 26715]

An interesting thing that LD told me is that the car insurance company will want to know the age of all the kit, as they will only pay market value after depreciation. This includes parts that need replacing, irrespective of whether a whole bike is replaced. I could just imagine a car driver’s face if they said ‘your wheel was destroyed by our insured, so will need replacing, so here’s £12.50 as it’s a few years old now’...

@srw Maybe able to clarify the situation, or at least provide an insight.

 

[bpsmith]

They tried that with my daughter when she was wiped off her scooter. I informed them that safety gear needs to be maintained and stored fastidiously to ensure it performs as designed. I then went on to tell them that if my daughter was forced to buy used safety gear of unknown provenance, and in a future accident that failed to protect her as it should then I would further be suing them for those injuries.

Without further argument they paid for a new helmet, jacket and gloves.

You're ultimately entitled to be restored to your pre-accident position, period (as they say in the colonies). They will try all sorts of wheezes and excuses, and many (like existing wear and tear on your damaged kit) may even sound plausible, but its an irrelevance.

Glad that you got a better deal than me. Clearly, I need to hold out longer this time, although the company representing me told me that this was their final offer and recommended me to accept. Hindsight suggests otherwise.

 

[Drago]

I'm sure they'll up their offer when the small claims court papers land on their drivers door mat.

Oh, and start charging them £50 every time you have to write to them. Your time is as valuable as theirs, and you're entitled to reasonable recompense for time you've had to waste on the matter because of their clients bad driving.

 

[classic33]

Glad that you got a better deal than me. Clearly, I need to hold out longer this time, although the company representing me told me that this was their final offer and recommended me to accept. Hindsight suggests otherwise.

Hindsight is wonderful, where can we get hold of when we need it?

 

[flake99please]

Hindsight is wonderful, where can we get hold of when we need it?

https://www.cyclechat.net/threads/any-good-jokes.78142/post-4767127

 

[classic33]

https://www.cyclechat.net/threads/any-good-jokes.78142/post-4767127

You needed it before as well!

 

[Johnno260]

well done for first ride out since the accident.

totally disgusting that the police haven't replied, I know they're stretched thin but still that's another argument.

 

[vickster]

What are you waiting for the police to do? It was about 3 months I think before I heard the Met’s decision. I think you said they’d visited the driver?

Have you completed a full written witness statement? If so, I presume it just takes time to process?

Regarding kit, my helmet was damaged and the hospital cut off my Cycling tights. I’m claiming g for full replacement value. The bike wasn’t damaged and I’ve since sold it anyhow

 

[Drago]

Victim Code of Practice (VCOP) you should be hearing from them every 28 days max, even if only to say, "don't worry, we haven't forgotton".