Bike crash with car- need advice please

brat

MacMickster wrote: »

The driver has already accepted responsibility and informed her insurers. Suggesting that she will be reported to the police for the imaginary "offence" of not informing the police of involvement in a collision causing injury, as a means of pressuring her to pay out of her own pocket rather than leaving it to the insurer, purely to make things more convenient for the cyclist is certainly blackmail.

Your imagination is running away with you. There is no suggestion that there was any threat that she would be reported to the police for not reporting the matter, - you made that up.
There is also no indication that the op's preferred resolution is a cash payment. There is no question in my mind that she would be significantly better off by lodging a claim with the driver's insurance.

Blackmail certainly doesn't cover asking someone to do something they believe is a legal requirement in order to get what they are entitled to.

brat

MacMickster wrote: »

Oops! I shouldn't have ventured onto this board. It's obviously where they keep their "special" posters.

Sometimes you just need to think first before you post.

C_Mababejive

In your position i would have assumed the position on the tarmac and awaited medical assistance ..golden opportunity missed.

tasha247

Thank you, one and all. Some very insightful people on here this weekend.
Much appreciated!

AndyBSG

Take your bike to at least 2(preferably 3) different repair shops and get fully detailed quotes.

Submit these quotes to the drivers insurance company and don't accept a penny less.

The insurance company will try to palm you off with somewhere around half of the quote but the simple fact is that they are liable for the damage unless they can prove you were at fault.

skaterboy

Hi

Don't forget to claim for your impacted cycle helmet, very often damage is not visible.

Had very similar claim myself, having reported it to the police and being able to quote a reference number on the claim made it slightly easier.

As always keep all receipts for all additional expenses for your claim.

Just keep on cycling, hope it all goes well.

Cheers

pendragon_arther

MacMickster wrote: »

The driver has already accepted responsibility and informed her insurers. Suggesting that she will be reported to the police for the imaginary "offence" of not informing the police of involvement in a collision causing injury, as a means of pressuring her to pay out of her own pocket rather than leaving it to the insurer, purely to make things more convenient for the cyclist is certainly blackmail.

If the female driver was naked whilst driving and the OP threatened to call the police and report her unless she paid out the full amount then that would be deemed to be blackmail.

pinkteapot

MS1950 wrote: »

Did the details you initially exchanged include details of their insurance (insurer, policy number etc)? If not then I would ask for them now and then communicate directly with the insurer setting out your account of what happened, the quote for repairs to your bicycle plus the cost of using public transport (per day/week etc) until your bicycle is repaired.

Among all the noise on the thread, this bit is key. Insurers will deal directly with third parties. Most will have an option on the phone menu for third party claimaints - or just press the option for claims and explain you're the third party. It'll be more efficient to chase the insurance along yourself than to try to get the driver to do it.

As someone else said too, if you were wearing a helmet, replace it. They can easily be damaged in an accident, even if it's not visible, and then not protect you properly in the future.

Glad to hear you weren't too badly injured.