Q I was shunted and now I’m be­ing shafted

Motorcycle News (UK) - - Garage -

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

A

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.

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