AFAIK, and IMO, IME (to use some great usenet acronyms) the car is covered
by CTP (- has to be by law with valid rego.). Any harm caused to you by the
car and any resultant physio, psycho stuff (where applicable) is covered by
this policy.
The car was in the control of the driver, the passenger was an invited party
and the insco would have trouble stepping away from the fact their insured
car caused the injury.
The car owner's insurance (comprehensive) will cover the damage to your bike
and clothing to the point of replacement. Get the receipts, a valuation
from your LBS (pre accident state obviously) and tender the details to the
insco after the Police have done the charging / whatever. Even the Vicroads
people should give the 3rd party insco details to you I would think. If
there is any problem ID'ing the company for comp ins., the Police will get
that information for you. Otherwise, call the various inscos and ask them
if you can lodge a claim, give them the rego & see who owns the policy that
way. In any case, the claim may need a police case number.
Any descriptions of the driver / passenger you would already have given will
help to nail them.
***
Any communications with the Police / inscos, anyone, write a diarised log of
events. Times calls are made, who you speak to and what was discussed.
This is a must do. Better to keep confusion out of the equation where
possible because often this stuff happens fast and calls get confused in
your memory.
My wife is going through the latter stages still of her accident along these
lines of a year ago. Operation next week on her wrist to try & get it
right.
Cycling accidents and [censored] motorists are a PITA (just for one final
acronym!)
Good Luck with your situation.
Jock
"Sasha" <sashan(nospam)@alphalink.com.au> wrote in message
news:[email hidden]...
| Hi cyclists,
|
| I will keep this short for the time being and save the full story for
| another day. Basically, I was hit by a passenger of a car who swung his
door
| open in front of me whilst he was waiting in traffic. I hit the door at
full
| speed, suffered injuries (the full extent of which are still unknown at
this
| stage) and my racing bike is a write off (bike is a mid range Orbea). The
| driver and passenger of the car then supplied false details to me in the
| hope that I did not note their registration. I did, the matter has been
| reported to the Police and parties involved will apparently be charged
with
| various offences in due course- or so the Police tell me.
|
| This incident occured at approx 9.30am last Friday (24th) on High Street
| Northcote going towards the CBD, approx 100metres before the Westgarth St
| intersection.
|
| I am now seeking witnesses to the incident. There were plenty of people
who
| witnessed it, but in my writhing pain and preoccupation with my injuries I
| was unable to collect their details. I am hoping someone out there
witnessed
| the accident or knows someone who did. It would help mine and the Police's
| case greatly.
|
| I know it is a long shot, but if anyone here saw the accident or knows of
| someone who did please email me at sashan(nospam)@alphalink.com.au. Please
| remove (nospam) before emailing.
|
| I would also be interested in hearing from anyone who has been in a
similar
| situtation, particularly in regards to the outcome in terms of the Police
| prosecution and retrieving compensation for bike damage from the car
owners
| insurance. Unfortunately privacy laws do not allow the Police to tell me
who
| the car owner is at this stage (they can once the investigation is
| complete), so it looks like I may be without a bike for a while.
|
| Finally, I cannot believe the stupidity of these people in giving false
| details where a person has been injured. The car in question was quite
| extensively damaged (it was an almost new Ford ute), so they would have
had
| to make a claim on insurance anyway. What the hell goes through the minds
of
| these people?
|
| Anyway, if anyone can help that would be greatly appreciated.
|
|