Cyclist Hit and Run Help!

Ladypenelope6

I am not sure if anyone can help, I need some advice about a hit and run incident. I am only new to the site so I can start a new thread. My partner has been knocked off his bike by a hit a run driver. The police don't know who the driver of the car was and the car was not registered to anyone. It has since been involved in another accident and been abandoned.

My partners clothes were shredded, his bike wheels completely snapped and frame dented - it was a fairly expensive bike. He took two days off work and was badly bruised and scrapped.

The house insurance won't cover him because we didn't have the add on, the car wasn't insured and we are stuck with a huge bill, no bike and 2 days off work sick. Is there anything we can do? We spoke to the motor bureau but they charge a £300 excess.

Retrogamer

Unless you are able to identify the driver and sue them directly for your husband's losses (even then if they refuse to pay, it can be hard to force them) then the motor bureau is your only option as far as i know.

[Deleted User]

You could try posting your message on the CTC Forum, to see if anyone has any specialist knowledge that may be of help. (The CTC also has an Accident Claims Advice service, but that's for members only.)

AdrianC

The MIB's £300 excess is probably your best option right now.

Nodding_Donkey

I thought the driver had to be identified for the MIB to pay out?

ETA Nope I just looked it up. It looks like that is your best course of action.

mattyprice4004

To be fair, apart from the MIB with their excess who do you expect to pay out?
There's no one else.

specialboy

Another case for cyclists to be insured, although not the cyclists fault at east they would be able to claim.

AdrianC

specialboy wrote: »

Another case for cyclists to be insured, although not the cyclists fault at east they would be able to claim.

The same logic could be used to require comprehensive insurance to be compulsory for all motor vehicles. If somebody chooses to self-insure their own risks, that's one thing. It's when they fail to realise the implications of that choice that you get these threads...

Aretnap

If I understand correctly they found the car but not the driver? In that case AIUI the MIB should pay for the personal injury and the property damage, with no excess (link). If the car wasn't identified they'll generally only deal with the property damage aspect if you also suffer a serious injury (defined as at least 4 days in hospital).

Aretnap

specialboy wrote: »

Another case for cyclists to be insured, although not the cyclists fault at east they would be able to claim.

Third party insurance (ie the thing the "bloody cyclists should be insured" brigade are generally going on about) would be of no help whatsoever in these circumstances. Even if the OP had decided to insure the bike itself, it would be of little or no help with the personal injury aspect, or the shredded clothes.

pinkteapot

specialboy wrote: »

Another case for cyclists to be insured, although not the cyclists fault at east they would be able to claim.

Ridiculous comment. If someone had come on here saying that an uninsured driver crashed into their car and damaged it, and they couldn't claim on their own insurance because they only had third party, fire and theft, would you be saying it showed that everyone should have comprehensive insurance?