The Essential Guide: What You Need To Know To Make A Successful Cycling Accident Claim.
Have you had a cycling accident recently? No matter what the circumstances, if you wish to put in a cycling accident claim with your insurer, you need to understand a few golden rules in order to get you the result you want.
Statistics in England suggest that over 15,000 cyclists are killed or injured every year on our roads; though it is thought the number of accidents are higher with many going unreported. It is true that fewer than 10% of road accidents involve bicycles, but despite this the casualty rate is far higher than with other types of road accident.
There are highlighted trouble spots within urban areas to be found in the limited accident data available; for example, three quarters of accidents happening at or near a T-junction or a roundabout. Since these junctions are particularly dangerous for cyclists almost 75% of cycling accident claims seem to have been generated in urban areas near one of these trouble spots.
The main factors to account for in any cycling accident claims case are:
- Were you hit by another vehicle?
- Did the driver stop to give their details?
- Did the accident come about as a result of a defect in the road for example potholes?
In any of the above instances, one of the most important factors in bringing about a successful cycling accident claim is to report the accident to the police as quickly as possible. Once registered this acknowledgement of an occurrence can always be referred back to in court.
This is especially true of hit and run cases where there are strict limits on the time in which these accidents must be reported. It is best to visit your local station within 48 hours of any mishap in order to cover yourself for all eventualities.
You should also visit your doctor as soon as possible if you do not have to visit the hospital as a result of your injuries. Once again this official logging of the accident and injuries sustained will stand you in better stead in court for a successful cycling accident claim.
In the event of an accident being caused by a road defect, it is advisable to take as many photographs of the site of the accident as quickly as possible. This is because once a compliant has been made your local council will go about fixing the problem as soon as possible to prevent any further mishaps. Scale and date the accident by including a newspaper from the day in the photograph.
Your local council are responsible for making regular checks of the roads and it can be hard to prove that these checks weren't made if you don't have supporting evidence to demonstrate the fault. It is also important to remember that if you were hit by a driver of a vehicle who did not stop to give their details, you will still be able to recover compensation through a cycling accident claim, by getting in touch with the Motor Insurers Bureau. The Motors Insurers Bureau have a fund for compensation for victims of hit and run, and a resource to compensate for accidents caused by uninsured drivers.
If you would like 1stClaims' expert Cycling Accident Solicitors on your side please call us free on 0800 2888 693 or complete our Free Claim Enquiry form now and we will be in touch with you very soon.
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