Cyclist hit my car, advise needed

[wetny]

Today a cyclist hit the front of my car head on while my wife was driving. Caused quite a lot of damage to my car. The cyclist is quite badly injured. He was looking behind and shouting to his mate when it happened. My wife had stopped as she could see what was going to happen. The whole thing was caught on CCTV from the shop ( shop keeper is providing me with a copy). Police say that it's clearly his fault. When I spoke to my insurance company they told me that I would lose the £400 excess as the cyclist is unlikely to be insured. Surely this can not be right. I understand that he probably is not covered, but surely he is still liable. I would have thought that my insurance company would pursue him for the cost of the repair thought to be about £1500. I really hope the guy has a speedy recovery, but I don't want to be out of pocket for something that was not our fault.

[wetny]

I have checked the address that the guys mate gave to the police, it's some sort of hostel for druggies so I suppose I can kiss my £400 goodbye. Lesson here, chuck your job, do what the F**k you like and let everybody else pick up the bill. I feel a bit sick.

[wetny]

sugerbear said:

Does the car your wife drives come with a horn ?

Is that a serious question???