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Following an accident we would recommend notifying the police of the incident and taking details of the other party and their vehicle. If there are any witnesses then their details should be obtained. Invariably, accidents involving cyclists may entail more serious injuries and therefore emergency services will usually attend the scene of the accident.
The most common collisions which involve cyclist occur with a car or taxi hitting the bicycle from behind. In a quarter of fatal cyclist accidents, the front of the vehicle hit the rear of the bicycle; reported by the Department for Transport, 2014.
On receipt of an admission of liability from the Defendant insurers, you will be able to claim compensation for Personal Injury and Financial Losses. The other side will be liable for repair costs of your bicycle (if economical), or the pre-accident value of the bicycle (if it is a ‘write-off’). This amount is not necessarily the original price you paid for your bike. You may be able to claim for damage to your clothing, subject to a reduction for ‘wear and tear’. However, the defendants are not obliged to make any payments for financial losses that have no evidence to support them. In order to successfully claim damage to the bicycle you would need and estimate for the repairs and a pre accident valuation (which can be obtained from a cycle shop), photographs of the bicycle, original receipt if available.
The defendants may argue that you have contributed to the accident in that you: entered the road from the pavement, failed to wear a safety helmet or failed to look properly before manoeuvring. This may result in a deduction for contributory negligence of between 15% and 25%.
Speak to us today on 0151 422 0982 to find out how we can help. Our office doors are open should you wish to stop by to discuss your claim, or you can even get in touch with us using our online form.