Urgent advice please - knocked off today

[thomas]

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

It is worth it as what might seem minor may give you agro in the future. I did my neck in a couple years ago (tap came off, water flew up...a bit surprised and somehow I did my neck in. It was very sore (even if it all sounds a bit silly), but just one of those things) and I occasionally now feel it, as if it is weaker.

I get where you're coming from. If someone went in the back of me in the car I wouldn't be getting out clutching my neck to claim for whiplash, but there isn't anything wrong in receiving some financial compensation for the pain, even if it seems minor.

 

[downfader]

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.

Where injury or damage occurs to person or property you should always go through the insurance route. They need to know if an employee is a risk or else it could end up costing them a lot more further down the line.

Also if you settle privately you may lose out if you suffer more problems further down the line (one of the guys on the cycling forums iirc now has a permanent problem with his shoulder, an insurer can still deal with that later down the line where as the firm might take the line that you can naff off)

Why shouldnt he claim for injury? Its not as if he's claiming after slipping down some steps which didnt have a "mind the steps" sign. This was a perfectly avoidable situation

 

[bad boy]

Sorry to hear this Beanz, I hope u take it easy and just try and rest.

The advice offered above says it all really, I just hope the next few days etc dont become really uncomfortable for you.

Make sure you do speak to the CTC though as you want some kind of recompense for your losses

 

[BentMikey]

It's a good thing you've gone through the lawyers. If you did what Redbike suggested and accepted a payment for your bike, then you'd be stuffed for compensation for any injuries that show up later.

Of course you might be fine, and just have cuts and bruises. Let's hope that's the case, rather than getting something serious and long term.

 

[beanzontoast]

I feel safer letting CTC get it sorted. It's part of what we pay our subs for, and tbh at this moment in time I just want someone to sort it for me.

 

[Cranky]

No further advice to offer, but hope you make a good recovery.

 

[addictfreak]

Sorry to hear about your accicdent today, hope you make a speedy recovery.

All I would say is dont rush to settle the claim, take your time have the bike looked at properly. As for your injuries, again I would say dont rush into anything you may well stiffen up in the next few days and its always possible further injury could come to light.

 

[night rider]

I feel safer letting CTC get it sorted. It's part of what we pay our subs for, and tbh at this moment in time I just want someone to sort it for me.

sorry to hear this. You are doing the right thing by letting CTC & their chosen solicitors deal with it. They are well versed at what they do. Good advice so far given above. Keep a log of all that you do now regarding who you talk to, be it hospital doctors, LBS owner, your own GP & actual receipts that you may have to make as a direct result of this collision. Don't know if your exchanged phones numbers etc with the driver, but remember you are not obliged to talk to him, his employer etc. Direct all communication to the solicitor if they contact you. Take is eazy beanz.

 

[Watt-O]

Don't forget to claim for a heinously expensive bike. I am sure an understanding CC fellow will have a spare cash receipt for an all singing all dancing carbon fibre doodah, you can submit in the claim!

Get well soon!

 

[MajorMantra]

I don't have any useful advice, but heal fast!

Matthew

 

[hackbike 666]

This is terrible and can happen to anyone.Hope you recover asap.x

 

[Crankarm]

A few points people don't seem to be able to grasp. The "insurance" route is neither here nor there, as the "insurer" in this instance represents the other party who knocked you off your bike.

You shall be making a claim against the driver who knocked you off who is indemnified by his insurer. To inititate your claim against him you have contacted your cycling organisation, the CTC, who has in turn put or will put you in touch with RJW solicitors who they have an arrangement with to handle PI claims for their members, you.

And all this talk of just claiming for the damage to your bike and forgeting the injuries as merely scratches nad bruises is frankly cloud cuckoo unless you want to do that. Implying that seeking reovery for ones injuries is immoral is b0llocks. You are lawfully entitled to seek compensation to try to place you in a position had the collision not occurred.

 

[Crankarm]

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.

Are you trying to be controversial or do you genuinely not understand the process of recovery for damage to property or personal injury?

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.

You are totally confused. You aren't making any payment and why should you suggest to them that you would accept a payment on the basis that it is without liability when the driver has admitted liability in writing ? Doh!!

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.[/

No you don't understand you bring a claim against him and you don't do it on your own unless you are a PI solicitor or even if you are, you don't, as if it goes tits up you have no come back . You instruct solicitors ones that specialise in cycling collisions. Anyway why don't you read what the OP has told us rather than harping on about DIY recovery which is going to fail or mean you are well out of your depth dealing with an intransigent loss adjusters and insurers. In fact I have heard some insurers will not deal with claimants in person in PI cases as they present a nightmare to deal with as they do not have the necessary expertise or knowledge of civil recovery.

 

[BentMikey]

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.

Doh! Sorry, I missed this completely. My wrong.

 

[ELL]

Go the insurance route. I was knocked off my bike by a WVM in June and fractured my elbow. He admitted liability at the scene as he didn't stop to come onto the round about I was going round. The bike had some damage about £250 worth. I got it repaired and he then decided that he didn't want to admit it any more even though he told the police it was him. With me providing evidence my sol they fought my side for me to get him to admit it again and get the repair costs back a couple of months ago and today have had an offer of £5000 as setlement.