Personal Injury - Cycle accident

theodorevonschnitzel

I was cycling up a main road when a stationary car emerged from a side road crashing in to my leg. The bike locked up sending me over handlebars. An MRI scan found a fracture amongst other things in my knee. I have an independent witness. 

A friend suggested using my home insurance as I have legal cover. My question is “Should I use home insurance option (I spoke to them and they will deal with my case) or should I use a company specialising in cycle injury claims?
Thanks. 

TELLIT01

If you have legal cover on your home insurance why would you want to use a 3rd party who will take a large chunk of any compensation you do receive.  No-win, no-fee doesn't mean you don't have to pay if you do win.

dawnybabes

We’re currently using our legal cover from our house for a medical claim.  Originally we approached a no win place and one of the questions in the pack asked if we’d this cover (which tbh we’d never even thought it covered it) 

theodorevonschnitzel

TELLIT01 said:

If you have legal cover on your home insurance why would you want to use a 3rd party who will take a large chunk of any compensation you do receive.  No-win, no-fee doesn't mean you don't have to pay if you do win.

Thanks for advice. Until a friend mentioned this I didn’t realise I could claim on my household insurance. Ive got caught up with an accident management company before (after a non fault accident) and it was a nightmare.

theodorevonschnitzel

dawnybabes said:

We’re currently using our legal cover from our house for a medical claim.  Originally we approached a no win place and one of the questions in the pack asked if we’d this cover (which tbh we’d never even thought it covered it) 

Same. I hadn’t thought of it before. 

Thanks for reply

Billy_B_North

When describing the accident to your insurers, please don’t describe the car as stationary, it’s likely to complicate things, as it definitely wasn’t stationary if it pulled out into you.

theodorevonschnitzel

Billy_B_North said:

When describing the accident to your insurers, please don’t describe the car as stationary, it’s likely to complicate things, as it definitely wasn’t stationary if it pulled out into you.

Point taken. I ride motorcycles as well and I looked at the driver (who was stationary) and was sure she had seen me but as I was in front of car, she drove straight out and into me. 

Jdm1982

My OH was involved in a cycle accident in exactly the same circumstances as you. Back and arm injuries. We contacted our house insurance legal protection and they dealt with everything. He got the full compensation. No 20% deduction that a no win company would take.

theodorevonschnitzel

Jdm1982 said:

My OH was involved in a cycle accident in exactly the same circumstances as you. Back and arm injuries. We contacted our house insurance legal protection and they dealt with everything. He got the full compensation. No 20% deduction that a no win company would take.

Thank you (and everyone else) so much. I now know which way I’m going to go. 

TELLIT01

theodorevonschnitzel said:

Billy_B_North said:

When describing the accident to your insurers, please don’t describe the car as stationary, it’s likely to complicate things, as it definitely wasn’t stationary if it pulled out into you.

Point taken. I ride motorcycles as well and I looked at the driver (who was stationary) and was sure she had seen me but as I was in front of car, she drove straight out and into me. 

I think we all realised what you meant, but as Billy says, be very careful in your description of the incident.  "A car pulled out of a side road....."

theodorevonschnitzel

TELLIT01 said:

theodorevonschnitzel said:

Billy_B_North said:

When describing the accident to your insurers, please don’t describe the car as stationary, it’s likely to complicate things, as it definitely wasn’t stationary if it pulled out into you.

Point taken. I ride motorcycles as well and I looked at the driver (who was stationary) and was sure she had seen me but as I was in front of car, she drove straight out and into me. 

I think we all realised what you meant, but as Billy says, be very careful in your description of the incident.  "A car pulled out of a side road....

Thanks, I understand.