OT: Collision with cyclist

It isn't here , it's in Holland.

It was somewhere around Barstow, on the edge of the desert, when the drugs began to take hold. I remember Nick saying something like:

Ffs, it sounds like a compobludger's charter. Expect ins premiums to shoot up in the next few years as hordes of faking bastards load the system up.

Fortunately I've not needed to get repairs of this kind done. However, the point I was making (the one you seem to have dropped now) stands. It may well be cheaper, however much it costs 500 or 800 quid, to carry out the repairs at one's own expense rather than claiming on the insurance. Don't forget the excess may well be a large lump of the repair sum anyway.

And, if one decided to pursue the cyclist then you'd be in a better position if the money was owed *to you* than to your insurance company.

Your definition of "kick in" and mine seem to vary somewhat. I'll reiterate: *I* am pretty certain I could do more damage kicking a car door than riding a pushbike into it.

I've not seen the damage to the OP's car, you must have to be so knowledgable on the extent of the damage and the comparison to the time that someone kicked your car door. Oddly, no-one's ever kicked the door of a car I've owned.

Shouldn't be long before it becomes European law, then UK law.

--Nick.

what was she doing on the pavement?

From the sound of the original post I'd suspect she was riding her bike? Just a wild guess...

What about a uninsured loss recovery company?

As far as house insurance goes, a friend of mines parents are being sued after a paramedic fell down their stairs and hurt himself, ( fair enough the guy was off work for a while and had an operation on the injuries), but they home insurance is picking up the tabs for this.

The easy answer to that is to drive cars worth less than the cost of repairing your wife's BMW. Then you just bang it all vaguely back into shape and give it a going over with a few quid's worth of paint from Halfords. Works for me.

The message from snipped-for-privacy@italiancar.co.uk (SteveH) contains these words:

Quite. I could buy eight of my car just for the cost of repair. Someone let their trolley roll into it in the supermarket car park the other day. They were very apologetic - so I told 'em to have another go if they liked.

We have paid for legal cover with the insurance to recover uninsured losses but we wanted to know how things would pan out and if it was the norm to proceed in this manner. The more people we have spoken to it becomes clearer that the majority of people would pursue the money / costs from the other party. It becomes clear now from visiting the 'scene' with my wife that the girl was travelling along the pavement and off the kerb across the T junction parallel to the double markings if that makes sense. The cyclist vision would have been blocked by a house that is on the corner of the junction.

Thanks,

Andy

You don't need the qualification. Excess doesn't apply to 3rd party claims, only to repairs to your own vehicle.

That's always amusing, the only time I ever got pissed off with a shopping trolley incident was in a Wal-Mart car park in Texas last year where someone parked a shopping trolley in the side of my rental Dodge Stratus which I picked up unblemished with 3 miles on the clock.

--Nick.

Since I have it handy:

Highway Code:

"54. You MUST NOT cycle on a pavement..."

--Nick.

words:

I'd agree with that. Our son aged 14 ( at the time ) did exactly the same thing. Luckily he was uninjured, not that the driver was concerned at all. I soon made him very concerned ;) Anyway, my household insurance (The AA, ironically) covered it. The last I heard was the insurance rep on the phone saying something to the effect of "Don't worry about it, we'll sort them out" And it was sorted, never heard anymore about it. Son is now 17 and just as unconcerned about his mortality :(

The message from Nick contains these words:

I'm allowed to. When I was nine the local copper came and gave a road safety talk at school and said we were allowed to ride sensibly on the pavement and if anyone told us off they were to send them to him and that he'd come back the year after and then he'd tell us we could ride on the road.

He never came back - so I reckon I'm entitiled! ;)

Yeah but the point you miss is that the insurers sue the third party=20 unless you're too stingy to cough up an extra tenner for legal expenses=20 cover.

Why?

Park it down a short dead end street thats badly lit across the road=20 from two pubs.

--=20 Conor

If you're not on somebody's s*it list, you're not doing anything=20 worthwhile.

So it makes it OK for someone on a bicycle to ride into the side of your car and damage it, getting off scot free?

Of course it doesn't. But driving cheap cars takes a lot of worry out of driving.

Very true, and if it was my car and the damage was my fault, then I'd be pissed off but just live with it, or not be in a desperate hurry to get it done. Well, unless it had gone down to bare metal and was potentially going to rust, in which case I'd probably rub it down and primer it at the least, in order to prevent it rusting, and get it properly repaired when I had the time and/or money to arrange to get it done properly.

But if someone else had damaged it, and I had their correct contact details, then I'd pursue them to pay for a professional repair. Seems fair enough to me.

Peter