Page 16 | Dd hit car whilst riding her bike

Sfuandtired · 2024-04-22T20:48:30+00:00

Dd 17 has collided with a car tonight whilst riding her bike, she was crossing the road and from what I can make out didn’t see the car turning, she hit the car with her wheel leaving a dent and was thrown over the handle bars banging her head on the window, the driver got out, asked if she was ok, took her name and phone number, then said he was late for work and drove of! Dd has since had a text saying she will be sent a bill and bank details for the damage to the car! WWYD?

CrispieCake · 23/04/2024 09:49

The driver didn't drive off. He stopped and exchanged details with the DD. He might not have been the most compassionate and may have been more worried about the car than the OP's DD but that doesn't make this a 'hit and run' in any way, it merely means that he's a fairly uncaring person. I can't see any breach of the law that he's committed, unlike the OP's DD who was cycling on the pavement.

AE9766 · 23/04/2024 09:50

Stigglet · 23/04/2024 09:48

You have insurance in case something happens TO YOU. Not just in case you do something to someone else.

If something happens to you and the other party can’t pay, your insurance covers it. Thats what it’s supposed to do.

And your premium goes up. Because your risk has gone up. It may not be your fault, but you now represent a higher risk, because you have put yourself in the situation where this incident happened. The driver is now “someone who drives where there are no cycle paths”. Or “someone who lives in a town where cyclists cycle on pavements”. Higher risk.

Well, no. That's the case if you have comprehensive insurance, which not everyone can afford.

If you have TPFT insurance, you're SOL in a situation like this.

Even if he did have comp insurance, his premiums will rise if he makes a claim on it and he's also subject to having to pay an insurance excess.

How is that fair, when it was an idiot cyclist who rode into him and caused the damage?

loopylou3030 · 23/04/2024 09:51

Why can't people just take responsibility for their actions? Your daughter was riding illegally and recklessly and caused an accident, resulting in damage to somebody else's property. He was perfectly reasonable, checked she was ok before swapping details, rather than losing his temper and having a go at her for being so stupid. He was minding his own business going to work when your daughter stupidly cause an accident. Just be grateful she has a chance to learn a lesson and was not seriously hurt or worse. We dont do our children any favours by looking at ways to devoid them of responsibility. It's a good life lesson to pay for the damage and accept her mistake. As a parent I would be messaging the guy to discuss, apologise on my child's behalf and offer to pay for the damage which she could then pay me back for. No wonder most people have no sense of responsibility these days and such entitlement with some of the replies on here. 😫

WappityWabbit · 23/04/2024 09:52

AE9766 · 23/04/2024 09:46

Except that's not what happened, is it? Or is your dislike of drivers so vehement that you'll actually reimagine a situation in reverse to suit your agenda?

(Probably. That's what I see from most cyclists, encouraged by morons like Jeremy Vine)

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Lol. I don’t cycle anymore as there are too many dangerous morons paying no attention and driving their cars too fast.

As a pedestrian, I was hit by a car and sent flying into a hedge. I successfully sued the driver and received over 30k compensation and the driver who tried to minimise everything and blame me for the accident, was prosecuted and ended up with a fine and points on her licence.

However, I’ve been driving a variety of vehicles safely for over 40 years with no accidents.

sandyhappypeople · 23/04/2024 09:53

WappityWabbit · 23/04/2024 09:44

@gettingbackonit23
@AE9766

He collided with a cyclist and she fell and injured herself. He was legally bound to report the accident to the Police and his insurance company.

If he’s done neither of these things and thinks he can harass a kid for money, I hope the OP does get the Police involved. I would if I was the mum.

He didn’t collide with anyone, she rode into his door, he got out she told him she was okay, he got her details.

he's not legally bound to contact the police unless there is an injury, it even says in the op (hours after the fact) that she is NOT injured.

people are going to be saying he got out and punched her next…

BIossomtoes · 23/04/2024 09:54

hope that he doesn’t get prosecuted for careless driving!

What part of she hit him are you failing to understand?

Stigglet · 23/04/2024 09:55

gettingbackonit23 · 23/04/2024 09:39

Poor guy. Some idiot cycles into him, damages his car and now he’s being reported to the police as well. Hopefully they will think it’s nonsense and won’t charge him and he can then press on with getting the money from you, now that he will have your full name and address and stuff (whereas now he just has a phone number and little means of tracing your DD).

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He’s not being “reported to the police”. The accident is being reported to the police. Which is a legal requirement when someone has been injured. Reporting the accident doesn’t assign blame. It just informs the authorities that the incident occurred.

Of course the police aren’t going to charge him. There was never any suggestion of that. Nobody has been criminally injured. It’s a civil case. But the incident still has to be reported to the police. Apart from anything else the driver’s insurance will want the incident number.

gettingbackonit23 · 23/04/2024 09:56

WappityWabbit · 23/04/2024 09:52

Lol. I don’t cycle anymore as there are too many dangerous morons paying no attention and driving their cars too fast.

As a pedestrian, I was hit by a car and sent flying into a hedge. I successfully sued the driver and received over 30k compensation and the driver who tried to minimise everything and blame me for the accident, was prosecuted and ended up with a fine and points on her licence.

However, I’ve been driving a variety of vehicles safely for over 40 years with no accidents.

Edited

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Yes, you were hit BY a car. You didn’t cycle INTO one. That’s why you got compensation and the driver got points on their license.

AE9766 · 23/04/2024 09:57

WappityWabbit · 23/04/2024 09:52

Lol. I don’t cycle anymore as there are too many dangerous morons paying no attention and driving their cars too fast.

As a pedestrian, I was hit by a car and sent flying into a hedge. I successfully sued the driver and received over 30k compensation and the driver who tried to minimise everything and blame me for the accident, was prosecuted and ended up with a fine and points on her licence.

However, I’ve been driving a variety of vehicles safely for over 40 years with no accidents.

Edited

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Then your bias is showing in your response to this post.

This cyclist was clearly at fault. She rode into the side of the car while not stopping to cross a road while also riding on the pavement. Illegal, moronic, dangerous and resulting in financial detriment to an innocent party.

Of course they need to pay for it.

gettingbackonit23 · 23/04/2024 09:57

loopylou3030 · 23/04/2024 09:51

Why can't people just take responsibility for their actions? Your daughter was riding illegally and recklessly and caused an accident, resulting in damage to somebody else's property. He was perfectly reasonable, checked she was ok before swapping details, rather than losing his temper and having a go at her for being so stupid. He was minding his own business going to work when your daughter stupidly cause an accident. Just be grateful she has a chance to learn a lesson and was not seriously hurt or worse. We dont do our children any favours by looking at ways to devoid them of responsibility. It's a good life lesson to pay for the damage and accept her mistake. As a parent I would be messaging the guy to discuss, apologise on my child's behalf and offer to pay for the damage which she could then pay me back for. No wonder most people have no sense of responsibility these days and such entitlement with some of the replies on here. 😫

Yes, this

CrispieCake · 23/04/2024 09:58

loopylou3030 · 23/04/2024 09:51

Why can't people just take responsibility for their actions? Your daughter was riding illegally and recklessly and caused an accident, resulting in damage to somebody else's property. He was perfectly reasonable, checked she was ok before swapping details, rather than losing his temper and having a go at her for being so stupid. He was minding his own business going to work when your daughter stupidly cause an accident. Just be grateful she has a chance to learn a lesson and was not seriously hurt or worse. We dont do our children any favours by looking at ways to devoid them of responsibility. It's a good life lesson to pay for the damage and accept her mistake. As a parent I would be messaging the guy to discuss, apologise on my child's behalf and offer to pay for the damage which she could then pay me back for. No wonder most people have no sense of responsibility these days and such entitlement with some of the replies on here. 😫

Indeed. Next time it might be a child or elderly person and the OP's DD might be facing a prison sentence. Yes, cars are more dangerous than bicycles and drivers bear a heavy burden to minimise the risk that they pose but bikes can be dangerous too when ridden at speed. Imo cyclists need to be more aware of the risk that they pose to other road and pavement users.

Sashimiandhisthunderpaws · 23/04/2024 09:59

@Sfuandtired sorry I haven't read all the thread but try contacting cycling UK and see if you get household membership they may be able to advise. It offers its members insurance and legal advice.

Stigglet · 23/04/2024 09:59

AE9766 · 23/04/2024 09:50

Well, no. That's the case if you have comprehensive insurance, which not everyone can afford.

If you have TPFT insurance, you're SOL in a situation like this.

Even if he did have comp insurance, his premiums will rise if he makes a claim on it and he's also subject to having to pay an insurance excess.

How is that fair, when it was an idiot cyclist who rode into him and caused the damage?

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It’s not fair. But that’s how insurance works. If you’re burgled your home insurance premium goes up. If you get cancer your health insurance premium goes up. If a cyclist crashes into you, your car insurance premium goes up.

The insurance doesn’t see it as “an idiot cyclist rode into him“. They see it as “he drives in an area where there are idiot cyclists”. Therefore his risk is higher.

AE9766 · 23/04/2024 10:06

Stigglet · 23/04/2024 09:59

It’s not fair. But that’s how insurance works. If you’re burgled your home insurance premium goes up. If you get cancer your health insurance premium goes up. If a cyclist crashes into you, your car insurance premium goes up.

The insurance doesn’t see it as “an idiot cyclist rode into him“. They see it as “he drives in an area where there are idiot cyclists”. Therefore his risk is higher.

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No, but the small claims court might if he takes her there to recover his costs and/or excess. Which he absolutely should in this case, because she has no insurance and also caused the accident through riding like an idiot.

BIossomtoes · 23/04/2024 10:08

Stigglet · 23/04/2024 09:59

It’s not fair. But that’s how insurance works. If you’re burgled your home insurance premium goes up. If you get cancer your health insurance premium goes up. If a cyclist crashes into you, your car insurance premium goes up.

The insurance doesn’t see it as “an idiot cyclist rode into him“. They see it as “he drives in an area where there are idiot cyclists”. Therefore his risk is higher.

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Utter bollocks. Show me a place where there aren’t idiot cyclists. The real hit isn’t the premium increase, especially if he’s protected his no claims bonus, it’s the excess he’ll have to pay and the need to declare an at fault accident because there can’t be a claim against another insurer.

ageratum1 · 23/04/2024 10:09

EnglandRivieraOrchard · 22/04/2024 22:05

Leaving the scene of an accident which involves injury / damage is an offence which carries a maximum penalty of 6 months imprisonment, so surprised the driver is following up on this.

He didn't leave the scene, he stopped!

gettingbackonit23 · 23/04/2024 10:11

BIossomtoes · 23/04/2024 10:08

Utter bollocks. Show me a place where there aren’t idiot cyclists. The real hit isn’t the premium increase, especially if he’s protected his no claims bonus, it’s the excess he’ll have to pay and the need to declare an at fault accident because there can’t be a claim against another insurer.

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His premiums will go up even if he was not at fault. He could just get it fixed privately especially if it won’t be much more than his excess anyway. Which is probably what I would do if the other party was an uninsured cyclist.

Calliopespa · 23/04/2024 10:13

Sfuandtired · 22/04/2024 21:57

Dd is shaken up and worried she’s going to have to pay for the damage, but not injured, although we think her face may bruise, I am seriously thinking we should possibly call the police?

Yes call the police

WarshipRocinante · 23/04/2024 10:14

Calliopespa · 23/04/2024 10:13

Yes call the police

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Why? She caused the accident, isn’t injured and was cycling illegally.

BIossomtoes · 23/04/2024 10:14

His premiums will go up even if he was not at fault

They wouldn’t necessarily but in this instance there’s no possibility of it being found no fault because there’s no insurer to claim against. It’s the same as if a parked car is hit and the other driver legs it.

RememberTheTorch · 23/04/2024 10:15

BIossomtoes · 23/04/2024 10:14

His premiums will go up even if he was not at fault

They wouldn’t necessarily but in this instance there’s no possibility of it being found no fault because there’s no insurer to claim against. It’s the same as if a parked car is hit and the other driver legs it.

But the driver has the details of who hit him. I know my insurer would go after them, insured or not.

hangingonfordearlife1 · 23/04/2024 10:16

why was she crossing a road on a bike??

Calliopespa · 23/04/2024 10:17

WarshipRocinante · 23/04/2024 10:14

Why? She caused the accident, isn’t injured and was cycling illegally.

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Because if she hit her head and looks like it will bruise she is injured and I think the procedure is to report. It’s not reporting him.

FunkyMonks · 23/04/2024 10:18

Drivers fault if he was coming out of a junction but your daughter was already on the main road he is suppose to give way so his fault call the police OP he's trying his luck.

WarshipRocinante · 23/04/2024 10:18

Calliopespa · 23/04/2024 10:17

Because if she hit her head and looks like it will bruise she is injured and I think the procedure is to report. It’s not reporting him.

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Bloody hell. Mum said she “might get a bruise.” And that’s police worthy? After she was cycling illegally and dangerously?