If you are a cyclist and have been involved in an accident with a motorist, and it was their fault, you will be able to claim compensation under personal injury. In addition to claiming for any injuries and how these have affected you, you will also be able to claim for damage to your bike.
Motorists are insured and part of their cover includes causing injury to third parties. Under the law, a motorist is expected to drive with all due care and attention. An example of negligence might be someone who is driving too fast for conditions such as rain or ice and collides with a cyclist. A motorist who is using their mobile phone and causes an accident is also at fault.
Types of Accident
While deaths from accidents involving a cyclist and a motorist are relatively small (just 99 deaths occurred in 2018), there are thousands of collisions where the cyclist is seriously injured each year.
The most vulnerable areas where accidents occur are junctions where motorists don’t check properly before pulling out. Cyclists can also be more at risk on busy roads where visibility is impaired by traffic. Unfortunately, there is a huge disparity between the protection a car or van driver enjoys compared to a cyclist who is exposed to the elements. Even a small nudge can cause significant damage and injury for a cyclist.
While the motorist should stop and give you their insurance details, this doesn’t always happen. If you have been involved in an accident and the motorist has simply driven off, however, you can still make a claim thought the Motor Insurers Bureau.
How to Make a Claim for Personal Injury Compensation
The first thing you need to do is gather as much information and evidence as possible. Of course, if this is a serious accident you may not be able to do much. In cases like this, the police are normally involved and will gather the evidence.
As soon as you can, it’s essential to get support and advice from a personal injury lawyer that specialises in this type of claim. Most legal teams that offer this service will give you a free initial consultation where you discuss your case and they will then advise whether you should proceed to a claim. This means you don’t have to pay anything if the solicitor believes the motorist has no case to answer. On top of this, a personal injury solicitor will also operate what is called a no win no fee service.
This means they will take on your claim and do all the legal work without charging you any fees upfront. If the claim is settled and compensation awarded, the solicitor will normally take those fees out of the final settlement.
Finally, it’s important to talk to a personal injury lawyer as soon as possible after an accident so that the events are still fresh in your mind. The team at Accinet will be able to discuss the specifics of your situation with you and give you advice on whether you can make a claim or not.
Compensation is awarded for several reasons when it comes to personal injury. You may need finances to support you in the home or aid in recovery. You might have lost work or income because of your injuries. And, of course, you will want to replace your bike!