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  1. #1
    Established TDF Member bubbleless's Avatar
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    Cyclist damages your car and is his fault... who pays and how

    Hi Everyone,

    This has crossed my mind, several times when I see cyclists doing dangerous things.

    Which could cause damage to your car and would be completely the cyclist fault.

    So say he caused 750 damage, a few bad scratches, and a dent.

    What happens next??

    If a car had caused the same damage, then they are responsible, insurance, reg number etc.

    This is not about the rights and wrongs of drivers and cyclists.

  2. #2
    Confused? You will be. Jay_Benson's Avatar
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    They are possibly insured through house insurance. If it was their fault then they are responsible for the restitution.
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  3. #3
    Established TDF Member steelemonkey's Avatar
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    Quote Originally Posted by bubbleless View Post
    Hi Everyone,

    This has crossed my mind, several times when I see cyclists doing dangerous things.

    Which could cause damage to your car and would be completely the cyclist fault.

    So say he caused 750 damage, a few bad scratches, and a dent.

    What happens next??

    If a car had caused the same damage, then they are responsible, insurance, reg number etc.

    This is not about the rights and wrongs of drivers and cyclists.
    Call Dawn.
    Paul.
    If God had meant us to breathe underwater, he would have given us larger bank balances.
    Human beings were invented by water as a means of moving itself from one place to another.

  4. #4
    Established TDF Member
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    Take them to the Small Claims Court. If you can get their details, few cyclists are insured.

  5. #5
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    Legally they are responsible.

    The harder issue might be getting them to pay as it is harder to trace a cyclist.

  6. #6
    Established TDF Member Chrisch's Avatar
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    The CTC membership includes cycle insurance that covers third party liability. In addition it lobbies on behalf of cyclists to get more facilities and more recognition. Personally I would like to see anyone that road rides more than a few hundred metres join up. Sadly it does not cover off road which is where you will find me 99.999999999999% of the time.

    https://www.cyclinguk.org/insurance/...arty-insurance
    Last edited by Chrisch; 26-10-2020 at 01:30 PM. Reason: add url

  7. #7
    TDF Member Titanic's Avatar
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    There's probably as many cyclists insured as car drivers these days
    You are entitled to your own opinion, you are not entitled to your own facts.

  8. #8
    Gone diving back later Vanny's Avatar
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    My British cycling membership includes 3rd party cover.

  9. #9
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    I've been driving for 35 years during which time my paintwork and safety have been put in danger by all sorts of other vehicles and inanimate objects, but I've never worried about being hit by a bicycle and, needless to say, it's never happened. Compulsory insurance for cyclists is a popular rallying cry for Jeremy Clarkson and his mates, but the reality is that shopping trolleys and drunks/yobbos with keys pose a far, far greater risk to your paintwork.

    However, the answer to the question is as previously given, i.e. wait until the cyclist is out of hospital and then launch a civil claim for the cost of repairing the dents they've left in your bumper with their head.

  10. #10
    Last of the Mohicans gobfish1's Avatar
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    Some people just need a day job . Helps keep you focused on real world problems.
    Lol .
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