cyclists

stuartbailey

advise needed, I was at a give way at end of road and to the right of me a pedestrian crossing on red with people crossing and a cyclists came through dodged pedestrians hit my car front wing (no damage to car) bounced of and came off bike ambulance called and to hospital she went.
police involved. informed insurance company, police came back with insufficient evidence and no action taken. then my premium went up £70 . how can I be at fault and pay a higher premium? I asked insurance company and they say it's correct and I have to pay the new amount.  is that normal procedure? or should I look for another insurance company? 
thanks

Aretnap

There are broadly two ways that it could be affecting your premium. 

(1) When you notify then if the incident they will open a claim. For accounting and regulatory reasons the claim has to remain open for a certain period (usually at least 6 months) in case the cyclist does start a claim against you. The fact that the police have decided not to prosecute you didn't rule out the cyclist making a claim - the police don't adjudicate on civil liability and the burden of proof is lower than for a criminal prosecution. 

An open claim will have much the same effect in your premium as a fault claim. Once it's obvious that there isn't going to be a claim your insurer should close the claim and record the accident as no fault or a no claim incident and refund any difference in premium you've paid as a result if it being open. If you change insurer in the meantime then you should check in advance whether they'll do this, v and be prepared to do some legwork yourself in terms of chatting your old insurer as they won't automatically tell your new insurer that the chain has been closed. 

(2) Once closed the accident will still need to be declared to insurers as a no fault/no claim incident - the question they ask is -have you had any accidents,  regardless of fault or whether it not a claim was made". A no fault(no claim incident may still have an effect on your premium, just usually not as big as an open or fault claim.

cw8825

In the grand scheme £70 is not the worst

it could just be a general rise in the premium 

you are within you rights to look elsewhere but you will need to declare this incident 

Mildly_Miffed

It's your "fault" because it cost your insurer money. They couldn't reclaim their costs off the cyclist.

Yes, that's perfectly normal - that's the way "fault" works for insurance.

Whether the police had enough evidence to charge them with anything (what?) is a totally different question.

facade

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

Your insurer is anticipating paying out around £1000 for an ambulance journey and Out Patient treatment.

They won't waste time & money arguing "fault" over £1000, just pay up, hence you will have an "at fault" claim, they record it now as pending.

Keep_pedalling

You premium may have gone up with no accidents reported, mine did and a lot more than £70. 

DullGreyGuy

facade said:

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

The charges are very basic though... £1,042 for each day as inpatient in hospital excluding the last and £848 if dealt with without admission and a cap of £62k for anyone person. Ambulance is £256 presently.  It's only charged to the insurer and follows both liability and contributory liability. 

XRS200

facade said:

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

Your insurer is anticipating paying out around £1000 for an ambulance journey and Out Patient treatment.

They won't waste time & money arguing "fault" over £1000, just pay up, hence you will have an "at fault" claim, they record it now as pending.

Wow.  Been a few years but I recall a fee of £19 or £29 - any insurer involved in an accident had to pay it if presented with it, regardless of fault from memory.

Aretnap

XRS200 said:

facade said:

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

Your insurer is anticipating paying out around £1000 for an ambulance journey and Out Patient treatment.

They won't waste time & money arguing "fault" over £1000, just pay up, hence you will have an "at fault" claim, they record it now as pending.

Wow.  Been a few years but I recall a fee of £19 or £29 - any insurer involved in an accident had to pay it if presented with it, regardless of fault from memory.

Don't forget the 41p/mile for the ambulance!

https://www.legislation.gov.uk/ukpga/1988/52/section/158

DullGreyGuy

Aretnap said:

XRS200 said:

facade said:

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

Your insurer is anticipating paying out around £1000 for an ambulance journey and Out Patient treatment.

They won't waste time & money arguing "fault" over £1000, just pay up, hence you will have an "at fault" claim, they record it now as pending.

Wow.  Been a few years but I recall a fee of £19 or £29 - any insurer involved in an accident had to pay it if presented with it, regardless of fault from memory.

Don't forget the 41p/mile for the ambulance!

https://www.legislation.gov.uk/ukpga/1988/52/section/158

Thats the token amount to the first responder. The NHS goes much further https://www.gov.uk/government/publications/nhs-injury-cost-recovery-scheme/guidance-on-the-application-of-the-nhs-injury-costs-recovery-scheme-for-2024-to-2025 

Goudy

Aretnap said:

XRS200 said:

facade said:

The NHS has been charging victims of an RTA for treatment where there is a realistic possibility of being paid- like if there is an identifiable insured vehicle involved, for the best part of a century.

Your insurer is anticipating paying out around £1000 for an ambulance journey and Out Patient treatment.

They won't waste time & money arguing "fault" over £1000, just pay up, hence you will have an "at fault" claim, they record it now as pending.

Wow.  Been a few years but I recall a fee of £19 or £29 - any insurer involved in an accident had to pay it if presented with it, regardless of fault from memory.

Don't forget the 41p/mile for the ambulance!

That might go up soon.

‘Haven’t they got enough money?’: Locals react as royals charge Guy’s and St Thomas’ Trust £11.4m to store ambulances on King’s land in Bermondsey – Southwark News