Young cyclist slammed into the side of my car

discountmummy

Im not having a very good week

I was travelling in my car when a young cyclist lost control of there bike travelling down a side road and it slammed into the passenger side of my car.
Having stopped and checked he said he was ok and admitted his brakes didn't work, but as he hit my car pretty hard I wanted his details. I asked the police to attend as he was a minor so that there was someone impartial to mediate.
The police checked me all out and took a statement of what happened and then said I was fine to go and he would speak to the boy (and his mum who had turned up by then) and he would ring with his details for me (which I am still waiting for).

I have today examined the car and there a quite a few chips from this incident.
Could you please advise me the best course of action now. I would like to avoid having to pay for this myself and my excess is ridiculous.

tasticz

if the mum has building/ content insurance which would have public liability insurance should this cover the cyclists negligence?

Southerner3000

Usually public liability only covers accidents inside the property insured, unless they have specified otherwise.

Do you think they would have paid to insure a bike with no brakes?

rs65

Southerner3000 wrote: »

Usually public liability only covers accidents inside the property insured, unless they have specified otherwise.

Contents policies will usually include personal liability which is not restricted to inside the property.

discountmummy

Do I have to go through my car insurance to claim from them or do I approach them direct?

rs65

You can approach them direct.

lisyloo

If your car id driveable then I'd go direct.
You might have to wait a while, but no excess and no fault claim on your side until it's sorted.

antrobus

Parents are not liable for their children's torts. (Such as negilgently slamming their bike into the side of someone's car.) Unless it is the case that the parents were themselves negligent in failing to properly supervise the child. (Such as failing to ensure that said bike had functioning brakes.)

It's useful to know this sort of thing.:)

Tammer

Hi,

Just worth mentioning that you are probably meant to tell your insurance about the accident.

T.

InsideInsurance

antrobus wrote: »

Parents are not liable for their children's torts. (Such as negilgently slamming their bike into the side of someone's car.) Unless it is the case that the parents were themselves negligent in failing to properly supervise the child. (Such as failing to ensure that said bike had functioning brakes.)

Home insurance normally covers the perm occupants of the building not just the named policyholder(s).

antrobus

InsideInsurance wrote: »

Home insurance normally covers the perm occupants of the building not just the named policyholder(s).

True. But just in case it turns out that the young cyclist in question resides in one of the 20% of UK households that doesn't have any kind of 'home insurance' or has the benefit of a policy that isn't normal, it's still useful to know.