On Tue, 18 Mar 2008 13:08:33 -0700 (PDT),
[email protected]
wrote:
>Hello
>
>Ive just been knocked off my bike on the way home from work. A car
>coming in the opposite direction was trying to make a right turn. I
>ended up ploughing into the side of her car. Apart from a very sore
>knee, I'm okay, although my bike will need a new front wheel and
>possibly new forks. I have 3 witnesses who saw the accident and all
>agree that she was totally to blame. Im obviously keen to get my bike
>fixed as soon as possible although I'm a bit unsure about the correct
>procedures to follow.
>
>Any help from you guys that have had similar experiences would be much
>appreciated.
>
>Cheers
>Jon
Two choices you can either pursue the claim yourself or employ someone
else (solicitor etc)
Working for a local authority I used to pursue third party claims,
this is now done by the insurance company. Our sucess rate was better
than the insurance company
If you decide to pursue yourself you need to write to the driver
holding them responsible for the accident and the damages / injuries
and advising them to pass the letter on to their insurers.
As the third party you have no contract with the person causing the
accidents insurers, the person who caused the accident has a contract
with their insurance company. If you need to sue you sue the driver,
trust me we went there.
You need to detail what you want, you can claim for the following
Pain and suffering
Prescription charges / non prescription medication
Damaged clothing, don't be greedy if you trousers are two years old
and replacements cost £50 claim 50%. Show this in your letter
Loss of wages, beware if your employer pays you whilst off sick they
can claim this back from you, mine claimed 50%
Damage to your bicycle
Cost of any estimate
Costs associated with getting the bike to the LBS for an estimate
Reasonable expenses
ie cost of travelling to work etc
However if you are claiming say £500 for injury and repairs to your
bike, it would not be reasonable to claim an additional £1,000 for
travelling expenses
You have to mitigate your loss
Depending on your injuries the third parties insurers may try and
settle quickly, be careful. When you settle you will be required to
sign that the compensation is in full and final settlement. You cannot
go back for more
I have a work colleague as a teenager he suffered whiplash when a car
ran into the back of his, short of cash he settled quickly. He now
suffers permanent neck pain and some days cannot twist his neck.
A good solicitor may advise part settling the damage part of the claim
and waiting at least 2 years before settling the personal injury side
Alternatively get someone else to pursue the claim, there is
satisfation in doing it yourself
Good luck and let us know how you get on