Pilot Pete wrote:I agree with Andy - try dealing direct with the other party’s insurers directly first. I did this a year or so back and as long as the driver doesn’t dispute liability then I found it very straightforward. I had a foreign cycling trip planned within the month and made them aware of all this, sent a letter/quote from the dealer with RRP prices for EVERY damaged part of my bike and kit. All in all this came to over £7k, which included helmet, sunglasses (broken arm), Sidi shoes which were scuffed up, ripped clothing, and loads of bike bits including tyres which had sidewall damage, bars and saddle which were scuffed, bar tape and end plugs, rear di2 derailleur and hanger which was smashed off and of course frame and forks.
With a bit of pushing they paid out within 3 weeks and I had everything sorted for my trip. Old lady’s insurer was Ageas.
When I was knocked off a few years back, the driver (and his insurers) admitted liability right away,
But they still fought for every penny, continually making derisory offers and making me jump through hoops (medicals, massive time wasting with their telephone physios, etc) until I called in the ambulance chasers, who promptly got their payout offer tripled.
I would concur with those on this thread who have advised getting a lawyer.