Q I was shunted and now I’m being shafted
A couple of months ago I was riding my bike in London. I came to a junction where I stopped to give way to cars on the main road which I was about to join. I thought it was clear so started to pull out, but just as I passed the Give Way lines I saw an ambulance coming from my right. It had its blue lights on so I hit my brakes to let it pass. That was when I was hit from
It sounds like the car driver was either too close or was not paying enough attention which meant he did not leave himself enough time to react. In which case, the car driver should be 100% responsible for the accident. Where there is no personal injury, unless the amount of damage caused is more than £10,000, court rules will limit the amount of solicitor’s costs that can be recovered in pursuing liability disputes to a very nominal sum. In such circumstances it is not uncommon for the insurance companies to try to reach a quick settlement. However, your insurer is obliged to investigate the circumstances and should not be looking to have you accept responsibility for an accident that, on the face of it, was not your fault simply to avoid a legal dispute. You should demand that the insurance company take your concerns seriously and complain to the Financial Ombudsman if they do not do so.