Urgent advice please - knocked off today

[magnatom]

Beanz, that isn't good! Really sorry to hear about the accident, it sounds nasty. All of the above advice is good, including contacting your wife.

Take it easy and give yourself plenty of time to heal. Hopefully the insurance will come through for you quickly.

Finally, and most importantly....get some photos up.

 

[brokenbetty]

I'm so fed up about my bike. Dawes Galaxy - the one I put new Stronglight, chain, rear mech, cassette etc on last summer. I'm so fed up.

Big hugs to you

The fed up thing is a normal reaction to an accident - I've had a few (sporting, not on the bike). I think maybe it's an emotional reaction once the adrenalin of the accident drains away.

I promise you, you will feel better tomorrow.

 

[beanzontoast]

Ouch. Sorry about the bump but sounds like you're on the road to getting things sorted... hope the injuries are ok.

BTW. How did you get the driver to put his confession in writing? Nice one!

He just did it there and then. He admitted it verbally and wrote it out with his details as well as signing it. Not much doubt in anyone's mind I guess.

 

[thomas]

He just did it there and then. He admitted it verbally and wrote it out with his details as well as signing it. Not much doubt in anyone's mind I guess.

ouch!! At least you're okay, just a bit worst for wear! Thankfully I've never been in this situation, touch wood, but I think I'd phone up the CTC legal assistance and let them sort it out for me.

It's nice that the guy is happy to pay, but I would look at covering the bike and some compensation for any pain and suffering. Ultimately that's why his business has insurance, is for these instances so it isn't unfair to claim from them. I'd be a little worried that he might muck you around a bit.

As someone else said, the guy might be in for a little bit of a shock when he realises that bikes cost about the same to run and repair as cars.

Hope all gets better....and that the wife is okay about it!!

 

[Crankarm]

Sorry to read you have been taken out. Get down to your GP asap to have your injuries fully documented and any treatment they can give, recommend and prognosis.

You've got the CTC's RJW involved so presumably you've got the legal wagon rolling. Bike damage, repairs / replacement is small fry and relatively straightforward compared to personal injury.

Some people seem to be under a misunderstanding to go by insurance or that the CTC is an insurance. Firstly the milkman's insurer acts for them not for you and will try to minimise the value of your payment any way it can. Secondly the CTC just acts an imtermediary for solicitors Russell Jones Walker who will take your claim on a no win no fee conditional fee agreement. You will need them to get anywhere near a proper settlement of your claim against the driver.

Good you have got the driver's admission of liability in writing - copy it tens of times and also that you have a witness. Preserve their details at all costs if they say it was the driver's fault.

The law entitles you to be put in the position you were prior to the collision. You should mitigate any losses and not milk it. If you genuinely can't do something and have to pay for assistance then so be it - keep receipts. Don't try to struggle along which might seem the 'right thing to do' but may well impair or delay your recovery. Also tot up all other damage to clothing, shoes, helmet or panniers, travel costs, prescription costs, medical costs and any other out of pocket expenses, add these in. Why should you have to pay to remedy damage to your property caused by this numptee?

Also there may be loss of earnings to consider, PTSD as part of the personal injury and PSLA (pain suffering and loss if amenity).

Keep a record of all correspondances with any party involved in your claim including your solicitor and time taken speaking with them.

Take lots of pics of your injuries as they progress. Use something to indicate scale in the pics if necessary to give an idea of size.

Good luck.

Heal well.

 

[JediGoat]

You may have deep tissue bruising to your hip now, but don't underestimate what that could lead to.

I had similar following a motorbike accident (I know you might think it would be higher speed, but I was at a standstill when I was hit), and received pretty nasty bruising and huge swelling to my hip and upper leg. Within two days the inability to sit, stand or lie comfortably triggered back spasms on a nerve that took months of physio to 'solve' (I still get it occasionally now). The other persons insurer paid for the physio which is a good thing as the bill ran up very fast.

Take it easy.

Jo

 

[gouldina]

Get well soon.

 

[l33rec]

I had an accident some years ago not wishing to be partof the blame/claim culture I accepted a fair amount for my bike / injuries as full and final settlement now some years later what I accepted would scarcely cover 1/2 of my physio/ chiropractor bills for what is an ongoing problem ,

Take prompt legal advice from an ethically correct cycle / injury specialist you have the right to like for like replacement of all parts etc carried out by the repairer of your choice you do however have a duty of care to mitigate 3 rd party losses

Hope you feel better soon

 

[Downward]

Screw them for as much money as you can !

Hope you feel better soon too.

 

[beanzontoast]

I seem to be saying thanks all the time, but I really mean it - thanks all.

Mrs B is home now and just glad I didn't end up under his wheels. Just found out my pannier is knackered too. Not going to try looking at damage to the bike today. Should I get the LBS to assess it or is this something I can do with photos?

 

[BentMikey]

I'd get a good LBS to assess your bike. Based on your OP, I'd think there's at least some chance the frame is damaged and the bike might then be a write-off.

 

[thomas]

I seem to be saying thanks all the time, but I really mean it - thanks all.

Mrs B is home now and just glad I didn't end up under his wheels. Just found out my pannier is knackered too. Not going to try looking at damage to the bike today. Should I get the LBS to assess it or is this something I can do with photos?

Yeah, sounds like a good idea! Are you going down the CTC route? I'm sure they'll let you know everything that needs doing. I'd probably get some photos of the bike too, may come in handy I guess. And lots of photos of your lovely body

 

[beanzontoast]

Yeah, sounds like a good idea! Are you going down the CTC route? I'm sure they'll let you know everything that needs doing. I'd probably get some photos of the bike too, may come in handy I guess. And lots of photos of your lovely body

Yes, CTC has the details now. I've passed them the Dairy's insurer details too. I think I'll take some photos in the next day or so when I feel a bit more with it, then get Mrs B to wing it down to the LBS in the back of the car for them to suss out what's what with it and probably let them hang onto it until things are sorted.

 

[Sh4rkyBloke]

Don't worry about the bike - that won't change between now and whenever you take the photos, but do take daily photos of your injuries.

My injuries as a result of my off at the hands of a Transit van seemed insignificant but over the next few days they became very sore/raw and caused me pan for the next 4 - 5 weeks before they healed properly.

Hope Mrs Beanz wasn't too shocked and will not unduly worry when you get back out there. These things happen, they just look worse when you're on a bike rather than in a cage.

 

[RedBike]

Do you really need to claim for compensation for 'cuts and bruises'?

Just get a quote for the repair of the bike and pop it through the door of the Dairy.
That way you'll hopefuly have the cash and bike repaired within the week. You can probably wrangle a few nice new parts out of it if you're careful.

Just attach a letter to the quote stating that this payment is solely towards the repair of the damage caused to the bike and doesn't represent any form of compensation or payment towards any injuries or costs caused as a result of the crash.

If they don't want to pay up, then go through the insurance companies / compensation claims. Beware. if you go through the insurers they might force you to purchase a new bike from a store of their choice and it probably wont be the make/model you want.