If an (uninsured) cyclist damages my car...
Discussion
Sightly nuts thing to roll around your head.
It'll be the same as if you saw sometime scratch your car and walk off. Either you get hold of them, and record it with the police as crime/incident in which case you can probably pursue them privately for a property damage claim or what have you, or sadly this is what your insurance is for if the damage is great enough.
It'll be the same as if you saw sometime scratch your car and walk off. Either you get hold of them, and record it with the police as crime/incident in which case you can probably pursue them privately for a property damage claim or what have you, or sadly this is what your insurance is for if the damage is great enough.
I let her off when happened to me, but she stopped, said sorry, was a student and I could spray the panel myself.
Should you? could also be Must you? No idea on law, If not, depends on if you want to pursue damage, think intentional in anger you want to have some form of result/think its a scam to later blame you.
If it was a branded courier or adult in lycra with a lightweight bike potentially worth more than a good used car, he may have a car/motorbike licence and insurance for his pricey bike and stop or report it later wanting to avoid any consequences of not for his work/Driving/Riding career. Reporting may help any claim or result in being contacted if they had just gone off in embarrassment then called in to report it, honest people are out there, some get concerns larer and do the right thing, think police might have quite the job in finding a cyclist, but not impossible in every case.
P.S Saw a cyclist wedge himself between a parked car & traffic that stopped for someone ahead to park, he sat there stuck with a car at either side and handlebars wedged in tight, I though about it later and wondered if that meant two owners may have there cars written off as it was rear arch he seemed to have damaged on both, but drivers saw it, good CCTV in the area, Police pole mounted & local shops & bars and cyclist was going nowhere fast.
Should you? could also be Must you? No idea on law, If not, depends on if you want to pursue damage, think intentional in anger you want to have some form of result/think its a scam to later blame you.
If it was a branded courier or adult in lycra with a lightweight bike potentially worth more than a good used car, he may have a car/motorbike licence and insurance for his pricey bike and stop or report it later wanting to avoid any consequences of not for his work/Driving/Riding career. Reporting may help any claim or result in being contacted if they had just gone off in embarrassment then called in to report it, honest people are out there, some get concerns larer and do the right thing, think police might have quite the job in finding a cyclist, but not impossible in every case.
P.S Saw a cyclist wedge himself between a parked car & traffic that stopped for someone ahead to park, he sat there stuck with a car at either side and handlebars wedged in tight, I though about it later and wondered if that meant two owners may have there cars written off as it was rear arch he seemed to have damaged on both, but drivers saw it, good CCTV in the area, Police pole mounted & local shops & bars and cyclist was going nowhere fast.
TB404 said:
Hello,
Just hypothetically, assuming you're driving in London and a cyclist scratches your car (and you see that), what should you do? They don't have a reg plate, or insurance... should you call the police? Just wondering, thank you.
How do you know they don’t have insurance if you haven’t engaged with them?Just hypothetically, assuming you're driving in London and a cyclist scratches your car (and you see that), what should you do? They don't have a reg plate, or insurance... should you call the police? Just wondering, thank you.
Just wondering.
Tend to find if a cyclist hits a car they usually end up falling off so can discuss it then.
The thing is though, if you drive a car its a risk, one that you accept with your license and when you pay for your insurance.
Cyclists arent mandated by law to have insurance, because car drivers have to and the limited potential for damage they can do compared to a car.
See also hitting animals, rocks falling etc.
I dont want someone hitting my car but thats what I spend £500 odd on insurance for, its a possibility and one I do my best to avoid but part of turning the key is accepting your car may be subject to damage by something or somebody that isnt insured.
The thing is though, if you drive a car its a risk, one that you accept with your license and when you pay for your insurance.
Cyclists arent mandated by law to have insurance, because car drivers have to and the limited potential for damage they can do compared to a car.
See also hitting animals, rocks falling etc.
I dont want someone hitting my car but thats what I spend £500 odd on insurance for, its a possibility and one I do my best to avoid but part of turning the key is accepting your car may be subject to damage by something or somebody that isnt insured.
4% of drivers are uninsured apparently but let’s hypothesise about the cyclist making a small scratch and not the tonne of metal being driven by someone who clearly doesn’t give a f
k….. honestly if you want to see greater legislation for cyclists like registration and mandatory insurance, just say so. Then sit back and wonder why the traffic jam you’re sat in is bigger than last month.
k….. honestly if you want to see greater legislation for cyclists like registration and mandatory insurance, just say so. Then sit back and wonder why the traffic jam you’re sat in is bigger than last month.
In 2017 less than 0.1% of car insurance claims involved a cyclist (note involved not caused by) so it’s not really worth worrying about…
https://www.abi.org.uk/news/news-articles/2018/11/...
https://www.abi.org.uk/news/news-articles/2018/11/...
lol a small number indeed, other potential for unrecoverable loss & risks.
Cyclist falling off after hitting a car, instant response, you hit me, then later, he was speeding like a lunatic, and he knocked me off officer or letter claiming it nonsense.
I've found stone chips, unsecured loads leaving another vehicle and just leaving a car far below the 5 digit an up figure sat nicely at the roadside has proven to be far more likely to be damaged by some kids playing/learning to ride a bike, drunk on a bike, a vandal or make off offender that prangs it with a door, bumper or shopping trolley,
Most recently is a deliberate damaging of my car simply because I will not lend someone it has began too while DVLA issues leave me waiting for months to have them correct issued that must be via post due to issues, and then I can change the reg and park it in another area to confuse them.
I would be more worried about hitting other cars and injuring people than scratches from passing cyclists, unless deliberate.
Cyclist falling off after hitting a car, instant response, you hit me, then later, he was speeding like a lunatic, and he knocked me off officer or letter claiming it nonsense.
I've found stone chips, unsecured loads leaving another vehicle and just leaving a car far below the 5 digit an up figure sat nicely at the roadside has proven to be far more likely to be damaged by some kids playing/learning to ride a bike, drunk on a bike, a vandal or make off offender that prangs it with a door, bumper or shopping trolley,
Most recently is a deliberate damaging of my car simply because I will not lend someone it has began too while DVLA issues leave me waiting for months to have them correct issued that must be via post due to issues, and then I can change the reg and park it in another area to confuse them.
I would be more worried about hitting other cars and injuring people than scratches from passing cyclists, unless deliberate.
TB404 said:
Hello,
Just hypothetically, assuming you're driving in London and a cyclist scratches your car (and you see that), what should you do? They don't have a reg plate, or insurance... should you call the police? Just wondering, thank you.
Just hypothetically, assuming you're driving in London and a cyclist scratches your car (and you see that), what should you do? They don't have a reg plate, or insurance... should you call the police? Just wondering, thank you.
Some bloody cyclist did this to my wife's car whilst it was parked outside our house. I'm sure it wasn't done by a car as they have registration plates and insurance so the police would have tracked them down by now...
Hope you got ref No from police then went to the MIB scheme to see if they could help,
I was whacked by a flying plug with a van at the end of the two meter cord in the days before I passed my test, so have been there at both ends now, knocked off by driver, and had cyclist damage my car. Thankfully I've not damaged a car while on bike or I would have left a note like a decent person.
I was whacked by a flying plug with a van at the end of the two meter cord in the days before I passed my test, so have been there at both ends now, knocked off by driver, and had cyclist damage my car. Thankfully I've not damaged a car while on bike or I would have left a note like a decent person.
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