Cycling UK Forum

Toffee wrote: ↑30 Sep 2023, 10:22am

Pinhead wrote: ↑30 Sep 2023, 10:09am

Octas wrote: ↑27 Sep 2023, 6:25pm Hi,
It was teeming down with rain and my 15 year old grandson was cycling. He thought he rd a car behind and looked back. Turning round he braked hard as there was a stationary car in front of him. He went head first through the rear screen, gashing his arm in the process. The rear tail light was also broken.
He suffered a large gash to his forearm, which on visiting a&e, had to return 2 days later to have glass and chipped bone removed under general anaesthetic. A plastic surgeon had to sew the arm up.
All the above notwithstanding, can he made to pay for the damage as a minor.

Whilst I feel sorry for the chap and his injury, I hope he can why should innocent people have to foot his bill for not cycling to the road conditions

If MY car was damaged I would sue, he hit them not the other way round the least you should do is pay for any damage.

THIS is why sensible people have CYCLE INSURANCE, I have full cover for this reason, YOU put yourself in the position of the car driver what would you want.

https://www.cycleinsurance.co.uk/?gclid ... 71EALw_wcB

Just tried a quote on the site you link to. You have to be born in 2005 or earlier so not suitable in this case

There are plenty of such sites to look around at

I am in fact surprised by the original posters comments "can he be made to pay as a minor" when the poster should be more concerned about doing the right thing as a parent/guardian and PAYING for the kid not paying attention to the road ahead and some innocent motorists car.

Almost as if he should get away with it.

Pinhead wrote: ↑30 Sep 2023, 4:22pm I am in fact surprised by the original posters comments "can he be made to pay as a minor".

Almost as if he should get away with it.

In all fairness, I think an assumption has been made that the stationary car was parked in clear sight of the child before the collision. And it may very well be the case.

However there exists the possibility that the car may have been parked where it may not have been easily seen, such as on a blind bend or close to a t-junction - whilst the usual highway code 'travel at a speed you know you can stop in' still applies, the culpability may be somewhat shifted as the motorist (an adult) would have known that it was hazardous to park in such a location (indeed parking in a way which may present a hazard to other road users is listed as part of the highways act (I think it's the 1983 act - although I can't be sure).

If the child was cycling around a blind bend and was momentarily distracted, then this may well explain the collision.

I do hope he gets well very soon.

From what the OP has written including the implication (simply by asking the question) that liability rests with the child, I think that the assumption that it was the child at fault is a reasonable one!

I had a lad hit my car on a campsite, he had borrowed his brothers bike which was too big for him,
his disgruntled father agreed to pay.
However when I sent the quote in (£500) they gave me lots of excuses why they shouldn't pay, cutting a long story short I got my Solicitor involved which ended up costing them almost £1,200.
Do the right thing and offer to pay for the damage.

trogg wrote: ↑1 Oct 2023, 11:28am I had a lad hit my car on a campsite, he had borrowed his brothers bike which was too big for him,
his disgruntled father agreed to pay.
However when I sent the quote in (£500) they gave me lots of excuses why they shouldn't pay, cutting a long story short I got my Solicitor involved which ended up costing them almost £1,200.
Do the right thing and offer to pay for the damage.

Insurance insurance insurance

I did start this thread, you will note the usual morons with stupid comments, now here on this thread we see the REASON WHY we need insurance

viewtopic.php?t=158020

Airsporter1st wrote: ↑1 Oct 2023, 11:00am From what the OP has written including the implication (simply by asking the question) that liability rests with the child, I think that the assumption that it was the child at fault is a reasonable one!

I don't think an omissions by its nature, nor raising the question constitutes an admission of liability. Anymore so than reading a murder mystery is an admission of the act off preparing to commit murder. Whilst the child may be to blame, without further facts i would also be hard pressed to levy 100% of the blame at the child's feet, especially given the nature of their injuries.

A motorists responsibility as detailed in various highways acts, includes not how they drive, the roadworthiness of their vehicle but also how it is parked.

Pinhead wrote: ↑1 Oct 2023, 11:55am

trogg wrote: ↑1 Oct 2023, 11:28am I had a lad hit my car on a campsite, he had borrowed his brothers bike which was too big for him,
his disgruntled father agreed to pay.

Do the right thing and offer to pay for the damage.

Insurance insurance insurance

now here on this thread we see the REASON WHY we need insurance

viewtopic.php?t=158020

As we say in Somerset one Sparrow doesn't make a spring', and an isolated incident which has resulted in personal injury does not make a compelling argument for compulsory insurance.
Speaking personally I have been cycling since the mid nineties and have yet to have a collision. Indeed if compulsory insurance was to be levied the amount I would have had to pay would have been equal to a mid quality bike.
I am not stopping anyone from having insurance, merely pointing out the results of an on going cost.

cycle tramp wrote: ↑1 Oct 2023, 12:49pm

Pinhead wrote: ↑1 Oct 2023, 11:55am

trogg wrote: ↑1 Oct 2023, 11:28am I had a lad hit my car on a campsite, he had borrowed his brothers bike which was too big for him,
his disgruntled father agreed to pay.

Do the right thing and offer to pay for the damage.

Insurance insurance insurance

I did start this thread, you will note the usual morons with stupid comments, now here on this thread we see the REASON WHY we need insurance

viewtopic.php?t=158020

As we say in Somerset one Sparrow doesn't make a spring', and an isolated incident which has resulted in personal injury does not make a compelling argument for compulsory insurance.
Speaking personally I have been cycling since the mid nineties and have yet to have a collision. Indeed if compulsory insurance was to be levied the amount I would have had to pay would have been equal to a mid quality bike.
I am not stopping anyone from having insurance, merely pointing out the results of an on going cost.

(Again though, minus points for the insults - best described bland and boring - you can do better at this, y'know).

LOL ROFL are you seriously saying that this is a one off and never before or now on will an accident have happened or will ever again LOL

And there is a better saying "insurance is a con UNTIL YOU NEED IT"

There seems to be an assumption here that you only have to put your trust in insurance companies, solicitors, etc and all your problems will magically vanish. The instances of minors colliding with stationary motor vehicles and causing serious damage must be vanishingly insignificant, much more likely to injure themselves.

In an ideal world, the parties involved (or those responsible for them) would come to an amicable agreement as to repair costs. If you have household insurance (and many don't for all sorts of reasons) it's not so simple. Cycle insurance sounds wonderful but insurance companies will have age limits and all sorts of exclusions. You probably won't get insurance for a minor.

Any one who has had to make a motor insurance claim will know what a can of worms that can be with even no fault claims following you around for years pushing your premiums up. You might be in the right but it'll still cost you. I mention motor insurance particularly because in the previous poster's make everything compulsory world, other activities would also have this licence to print money, with no apparent accountability, attached to them.

As for solicitors, it seems at least from my experience that if you have a straightforward case where you practically lay it out for them, you will get a reasonable result for your money. If it gets to more than them sending a stiff letter and the other person coughs up, then it can get expensive, especially if the other party throws back counter claims. It probably comes down to which of your solicitors is least incompetent.

You could always try the small claims court, yourself.

So let the previous poster throw his block capital insults out at those who might disagree with him. In the real world, life is not so clear cut.

a.twiddler wrote: ↑1 Oct 2023, 1:34pm ...
So let the OP throw his block capital insults out at those who might disagree with him. In the real world, life is not so clear cut.

I don't think that the Original Poster has used block capitals or insulted anybody.

Jonathan

Jdsk wrote: ↑1 Oct 2023, 1:38pm

a.twiddler wrote: ↑1 Oct 2023, 1:34pm ...
So let the OP throw his block capital insults out at those who might disagree with him. In the real world, life is not so clear cut.

I don't think that the Original Poster has used block capitals or insulted anybody.

Jonathan

My error, edited. Apologies to the OP.

Pinhead wrote: ↑1 Oct 2023, 12:54pm
LOL ROFL are you seriously saying that this is a one off and never before or now on will an accident have happened or will ever again LOL

And there is a better saying "insurance is a con UNTIL YOU NEED IT"

Indeed one would hope that it doesn't happen again. Naivety aside, for one moment... has a cyclist ever collided with you? I've only been driving since the mid 00's but can honestly say it has not happened to me.
So while we both accept that yes, sadly there will be collisions in which bicycles are involved, the number of these incidents will not be enough to burden any cyclist with compulsory insurance and the chances are that a cyclist will never be in collision with you. Saying that it once happened your father or a great aunt or something you saw on YouTube, is not truly an indication of the chance of that this event will happen to you.

In regards to insurance, yes I have some for driving may car. There exists a possibility whereby I will be in a collision which may result in life changing injuries for myself and or others.
This possibility is greatly reduced when I cycle and despite various tours, journeys, audaxs and medium yearly mileages I have yet to have my roadcraft skill set fail to such an extent that I cause a collision when cycling. Indeed based upon the body of evidence, I and probably the rest of this forum will not be involved in a collision for which we are held culpable.

My advice would actually be to stop worrying about every little aspect of cycling and go and chill out somewhere....

Cowsham wrote: ↑28 Sep 2023, 12:36am If I was the car driver I'd try to get the window and damages paid for by the parents in some sort of gentleman / woman's agreement first. If that's not possible I'd tend to fix it myself since even claiming for a broken window or windscreen puts a claim on your claims register.

Using the windscreen cover / NCB protection is OK if you are intending staying with that insurance company but if they hike the price at the next renewal and you want to shop around that claim on your register will affect the price you pay. It happened to my mother hence why I know about it.

You don't necessearily get punished for making a claim. Had a car run into the back of mine while waiting at traffic lights, they admitted full responsibility, my noclaims was unnafected as the insurance did not have to pay anything as theirs paid for everything including a courtesy car.

jrs665 wrote: ↑1 Oct 2023, 3:34pm

Cowsham wrote: ↑28 Sep 2023, 12:36am If I was the car driver I'd try to get the window and damages paid for by the parents in some sort of gentleman / woman's agreement first. If that's not possible I'd tend to fix it myself since even claiming for a broken window or windscreen puts a claim on your claims register.

Using the windscreen cover / NCB protection is OK if you are intending staying with that insurance company but if they hike the price at the next renewal and you want to shop around that claim on your register will affect the price you pay. It happened to my mother hence why I know about it.

You don't necessearily get punished for making a claim. Had a car run into the back of mine while waiting at traffic lights, they admitted full responsibility, my noclaims was unnafected as the insurance did not have to pay anything as theirs paid for everything including a courtesy car.

Just because you NCD is unaffected it doesn't mean your premium won't go up.