R.I.P :(

[Viley10]

Was hit by a cyclist who jumped a red light as I was tuning right. Insurance said it will be a write off, £1750 to fix.
been given a couple of options by the insurance company but I'm stuck on what to do.

What would most of you guys do ?

Heres some pics

http://farm6.staticflickr.com/5342/7242705844_0436c36b39.jpg (http://www.flickr.com/photos/71212123@N06/7242705844/)
IMG_0486 (http://www.flickr.com/photos/71212123@N06/7242705844/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

http://farm8.staticflickr.com/7238/7242708942_451ffd3042.jpg (http://www.flickr.com/photos/71212123@N06/7242708942/)
IMG_0489 (http://www.flickr.com/photos/71212123@N06/7242708942/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

http://farm8.staticflickr.com/7214/7242713112_fee1292910.jpg (http://www.flickr.com/photos/71212123@N06/7242713112/)
IMG_0511 (http://www.flickr.com/photos/71212123@N06/7242713112/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

[Ashleyp]

fuck me, thats bad that!

I know you're probs more pissed off about your motor being smashed up, but what was the condition of the cyclist, he must have been a bit mangled after that!

as for what to do, write it off, it's not worth fixing it...

[manta]

seen worse
fix it yourself

[Lewis1600]

new screen, be reet.

[Barry123]

Rip cyclist by the looks of it. How does liability work with the cyclist.

[Dom]

Hope you reversed afterwards. Fucking cyclists.

[Viley10]

Well apparently im liable because i was making a right turn and should of seen him, even tho he went through a red light. He was on a road racer bike but he was fine, paramedics left him leave n he went home in his car with his wife. hes put in a claim for injury against me aswell which takes the piss tbh.
looks like i wont be able to go to my 1st FCS either lol

[LSOfreak]

fucking hell! is that bird shit all over your car??

[swampy]

Well apparently im liable because i was making a right turn and should of seen him, even tho he went through a red light. He was on a road racer bike but he was fine, paramedics left him leave n he went home in his car with his wife. hes put in a claim for injury against me aswell which takes the piss tbh.
looks like i wont be able to go to my 1st FCS either lol

That sucks mate!!!

Here In Peterborough I see so many cyclists each day it's unreal

[jones91]

Not only has the cyclist wrote your car off, he's now making a claim against you when it was his fault. What a complete prick!!! Why couldn't a lorry of hit him instead, not a poor old Saxo?

[Viley10]

Yeah was due a clean. It's where I work there's loads of seagulls. Looks like it will be written off. Has only done 41000 miles aswell. They said they would give me 1200 for the car then minus my excess. I'll be left with about half of that :(. They said I can buy the car bk for £300 would be a cat c tho. Just doesn't seem worth it.

[VTR_Bass87]

Is that bird excrement on your bonnet or the cyclists spunk?

[Carl-h]

Push for more than £1200! If its £1750 to fix it'll be a write off for sure.

Never accept their first offer though.

[greyjasper51]

Insurance companies are out to make a profit and theyll offer you next to nothing for the car... Fix it yourself, the roof will be most expensive but a good pannel beater will sort it out, dont forget its no claim not no blaim, you claim and its there for 3 years minimum... Youll have to pay excess if your going through yours and theyll take that off the price of the car... If its their insurance write it off, but if its yours FIX IT!!! Lol

Sent from my GT-I9100 using Tapatalk 2

[stevo67]

That cyclist is taking the piss,make a counter claim against him as it was him who jumped the red light thus causing the accident.

[Ashleyp]

Insurance companies are out to make a profit and theyll offer you next to nothing for the car... Fix it yourself, the roof will be most expensive but a good pannel beater will sort it out, dont forget its no claim not no blaim, you claim and its there for 3 years minimum... Youll have to pay excess if your going through yours and theyll take that off the price of the car... If its their insurance write it off, but if its yours FIX IT!!! Lol

Sent from my GT-I9100 using Tapatalk 2

Out of interest, what company would you reccomend for cyclist insurance?

[LSOfreak]

Out of interest, what company would you reccomend for cyclist insurance?

http://www.cycleinsurance.co.uk/?0-2-cycle_insurance&gclid=CK798tz9kbACFSYhtAoddCFlqg

:)

lol had to be done

[Viley10]

Well I even have witnesses but the insurance people are shit. Saying that I should of seen him while I was making the right turn. But I obv didn't coz this happened. I don't really wonna claim. Getting some more quotes to fix the roof dents( if it possible to) then a new windscreen will be £75 off my insurance. I'd like to keep the car kinda grown attatched to it.

[haz_pro]

Fucking hate cyclists who think that they don't have to follow the rules of the road just because they don't have an engine. Gives the proper cyclists like myself a bad name. Good luck OP, you are going to need it I suspect.

[Viper]

I wonder if this guy lied and it was HIM that went through the red instead of the cyclist? ;)

[haz_pro]

I wonder if this guy lied and it was HIM that went through the red instead of the cyclist? ;)

No shit Sherlock.

[Jungle]

Cyclist prick, you should have finished him off.

[Andy_K]

£1750 to fix? wtf?!

£400 for new roof skin fitted and painted, £100 for new screen and £100 max to pop the dints in the wing out. Drop the claim if possible and fix it yourself.

[JoshFurioBrookes]

Cyclists should go on the pavement. Cyclists who cycle in the road when there is a perfectly good empty pavement next to them annoy me. (Cue all the people with road bikes moaning that the pavements too uneven for them).

[harkin]

Ahhhh thats not cool man! :panic:

[haz_pro]

Cyclists should go on the pavement. Cyclists who cycle in the road when there is a perfectly good empty pavement next to them annoy me. (Cue all the people with road bikes moaning that the pavements too uneven for them).

It is illegal.

[JoshFurioBrookes]

It is illegal.

I know, so is going 75 on a motorway and yet even the Police do that. I just think that it would make more sense for cyclists to go on the pavement, most pavements have ample room for a cyclist to pass a person. And if they don't have room then any cyclist with sense would slow down, hop off and walk their bike past said person. :)

[Ashleyp]

I know, so is going 75 on a motorway and yet even the Police do that. I just think that it would make more sense for cyclists to go on the pavement, most pavements have ample room for a cyclist to pass a person. And if they don't have room then any cyclist with sense would slow down, hop off and walk their bike past said person. :)

lol.

probably the worst argument ever put forward for cyclists not being on the road.

[haz_pro]

I know, so is going 75 on a motorway and yet even the Police do that. I just think that it would make more sense for cyclists to go on the pavement, most pavements have ample room for a cyclist to pass a person. And if they don't have room then any cyclist with sense would slow down, hop off and walk their bike past said person. :)

Police vehicles are exempt from speed limits, and not sure what that has to do with anything any way.

Bicyclists should be on the road, having some idiot cyclists shouldn't stop this.


lol.

probably the worst argument ever put forward for cyclists not being on the road.

I thought this too, very random haha.

[JoshFurioBrookes]

Yes after re-reading that my points do suck! I will cut my losses now ;) haha

[Gareth_R]

You're gonna have a claim on your record regardless due to the cyclist. Even if you counterclaimed as previously suggested you're still going to get saddled with at least 50% of the blame, so 50% of any compensation he gets.

Say you end up with £600, buy the car back for 300, and fix it with the other 300, thats an option, but you're still left with a Cat C car which would bother me but might others.

Otherwise its take the cash and go find a new car. As mentioned above though, try and negotiate on the price

[LSOfreak]

Yes after re-reading that my points do suck! I will cut my losses now ;) haha

i have to agree with you tbh! i know its like pissing in the wind, but cyclists really do piss me off when theyre actually in the road, not by the side near the kurb. So dangerous as everyone has to match the cyclists speed on a narrow road, and when over taking, ive seen so many near head-ons...

[Ashleyp]

http://www.cycleinsurance.co.uk/?0-2-cycle_insurance&gclid=CK798tz9kbACFSYhtAoddCFlqg

:)

lol had to be done

Touche :zainy:

I wonder how many cyclists have insurance though, as it's obviously not compulsary and so theres no real way of telling.

[crutchs]

country road cyclists are also a pain might hit one and leave them in the bush to teach them a lesson about riding bikes

[Ashleyp]

country road cyclists are also a pain might hit one and leave them in the bush to teach them a lesson about riding bikes

one problem though: your 8v's probably haven't got enough torque to push someone off a bike :ponder:

[TomT]

A cyclist did that? how fast were you going?

[crutchs]

one problem though: your 8v's probably haven't got enough torque to push someone off a bike :ponder:

nearly hit one the other week but slammed on. should just hit them tbh

[Ashleyp]

nearly hit one the other week but slammed on. should just hit them tbh

might have been good if you did, at least that way there would be one less cunt on the road.

aka; you.

[haz_pro]

nearly hit one the other week but slammed on. should just hit them tbh

*sigh*

:wall:

[BertieG]

the lack of care for cyclists amazes me. sure, there are a few dicks, but no where near as many dick car drivers, who seem to think a cyclist isnt a real person, and put their life in danger without a care in the world

[Gareth_R]

I do understand the frustration. There was a cyclist taking a swig from a bottle the other day swerving all over the road. Total idiot. On the other hand, I'm always careful to stay really tight to the kerb when riding and will move across in any little laybys or anything to allow people past

[CHIP]

I'm thinking the people slating cyclists are the one's who swear at folks for the smallest of reasons on the road and think they own it because they're in a car. Aka, knobs.

[L33h]

Shame u live so far away. i work at autoglass n coulda stuck a screen if for u on the fiddle for about 100 quid haha

[Prickle]

Was hit by a cyclist who jumped a red light as I was tuning right. Insurance said it will be a write off, £1750 to fix.
been given a couple of options by the insurance company but I'm stuck on what to do.

What would most of you guys do ?

Heres some pics

http://farm6.staticflickr.com/5342/7242705844_0436c36b39.jpg (http://www.flickr.com/photos/71212123@N06/7242705844/)
IMG_0486 (http://www.flickr.com/photos/71212123@N06/7242705844/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

http://farm8.staticflickr.com/7238/7242708942_451ffd3042.jpg (http://www.flickr.com/photos/71212123@N06/7242708942/)
IMG_0489 (http://www.flickr.com/photos/71212123@N06/7242708942/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

http://farm8.staticflickr.com/7214/7242713112_fee1292910.jpg (http://www.flickr.com/photos/71212123@N06/7242713112/)
IMG_0511 (http://www.flickr.com/photos/71212123@N06/7242713112/) by Viley10 (http://www.flickr.com/people/71212123@N06/), on Flickr

Shit! looks like you've went and mowed the guy down! :fcuk:

Cyclist ran the red light officer :oops:

[Viper]

As has been said, the lack of care for cyclist is disgraceful.

[outrage_uk]

New windscreen = £75 - claim off insurance, don't think a free chip repair will cover this ;)
Wing = £20
Roof = £0 - Take off the roof lining and whack it back into some sort of shape

Mowing a wanker on a cycle down = priceless.

[OMGASAXO]

No hate for cyclists but some of them do tek the piss specily when riding on the main road rite next to a cycle path causing massive build up of traffic!!

[Rogue_Shadow]

Shit! looks like you've went and mowed the guy down! :fcuk:

ROFL ! :clapping:

That's going in my signature :D

Cyclist do get a hard time on the roads, be it main or winding B roads.
I always give plenty of room and pass slowly if possible (in the van).
It does irritate me drivers behind cyclist doing ANYTHING to pass, overtaking on blind bends for example :wall:
Admittedly Not all cyclists are saints, so it's easy to get a jaded opinion if you've only encountered the minority. Some cyclists lack common road sense or road craft, not alot can be done though :n:
Doing my CBT on Saturday, gonna be intresting sharing the roads with everyone :panic: Lolz

[Jamie]

Damn!

Must have been travelling at at least 40 to do that sort of damage surely?

Guessing cyclists OK? There are usually two sides to each story, so i'll stay on the fence and not abuse you for speeding or running the poor bastard down.

As for the insurance thing as said somewhere along in this thread, if he's claiming on your insurance you might aswell too because it's a claim on your policy now whether you like it or not. Car is a CAT C by the looks of things, some say it would be cheap to fix *IF* you know the right people, for me I'd send it to the nearest scrap yard, take the cheque and start looking for another.

[JackCopley]

wow that looks nasty, never seen that kind of damage from a cyclist!

[devilsadvocate]

Drivers are far to impatient when it comes to cyclists.

They get right up behind them and will do anything to get past, even if it means getting close.

People need to chill out on the road and slow down a bit, waiting 30 seconds to pass a cyclist because of oncoming traffic is hardly going to make you late and if it does you are a cock for not leaving earlier.

Not directed at the OP by the way and I rarely cycle on roads, only to get to the offload tracks :).

[JoshB]

Funny thing is, if it was a car that had gone through the red light and hit him, the other driver would be at fault if it was proven they went through a red light. Why do cyclists get different treatment? They are still 'road users'. IMO, if the cyclist went through the red light, and you have a witness to prove it, they are at fault.

[m4tt274]

it is repairable.

[Ryanoo]

I know, so is going 75 on a motorway and yet even the Police do that. I just think that it would make more sense for cyclists to go on the pavement, most pavements have ample room for a cyclist to pass a person. And if they don't have room then any cyclist with sense would slow down, hop off and walk their bike past said person. :)

Thought you were allowed 10% for equipmental margin of error (your clocks, their gun etc?) How do you know they were doing 75? Were you also? Maybe your clocks are out?

lol.

probably the worst argument ever put forward for cyclists not being on the road.

Lol that made me laugh.

Funny thing is, if it was a car that had gone through the red light and hit him, the other driver would be at fault if it was proven they went through a red light. Why do cyclists get different treatment? They are still 'road users'. IMO, if the cyclist went through the red light, and you have a witness to prove it, they are at fault.

So true lol.

@OP, feel sorry for the predicament you're in. Must suck! Good luck mate.

[Llardy]

As has been said, the lack of care for cyclist is disgraceful.

as is the lack of care from cyclist. everyday I cross the traffic lights at st pancras station and 9 times out of 10 there a cyclist who cuts the red light and ploughs through walking pedestrians. I think there needs to be some sort of identification system on push bikes now just so they get slapped with a fine for cutting red lights.

[Ryanoo]

as is the lack of care from cyclist. everyday I cross the traffic lights at st pancras station and 9 times out of 10 there a cyclist who cuts the red light and ploughs through walking pedestrians. I think there needs to be some sort of identification system on push bikes now just so they get slapped with a fine for cutting red lights.

Or ruling that they can just be slapped by a pedestrian if they're being an arse.. I like the ones that cycle more so in the middle of the road than to the left, I also beep as I go past them, hoping they'll get a freight and fall into the bushes.

[Llardy]

Or ruling that they can just be slapped by a pedestrian if they're being an arse.. I like the ones that cycle more so in the middle of the road than to the left, I also beep as I go past them, hoping they'll get a freight and fall into the bushes.

haha there should be a thin wire running the width of the road when a light goes red. that way if a cyclist tries to cut the red light he/she'll get close lined off the bike.

[Lewis]

Why is this thread R.I.P? Am I missing something? Even the car still aint finished for

[TomT]

Why is this thread R.I.P? Am I missing something? Even the car still aint finished for

Probably killed the cyclist..

[NismoSteve]

Cyclists terrify me! My truck is difficult to get around at the best of times. Getting passed cylclists and mopedists is a mission. I'll happily sit behind them till its safe to get passed.
Squishing one is the stuff of nightmares. I've seen it first hand and its sickening. Not so much scraping them up as washing them down a drain.
We are all responsible for our driving / cycling. People need more patience, and to think a little more for others.

[Andy_K]

As for the insurance thing as said somewhere along in this thread, if he's claiming on your insurance you might aswell too because it's a claim on your policy now whether you like it or not. Car is a CAT C by the looks of things, some say it would be cheap to fix *IF* you know the right people, for me I'd send it to the nearest scrap yard, take the cheque and start looking for another.

I wouldnt say 'IF' you know the right people.
New roof panel is £140 from citroen. I was quoted £400 max to fit and paint the roof from a body shop. And that wasn't maes rates, just standard labour rate. New windscreens can be had for £100ish from local firms. Its only the likes of Autoglass that charge the earth for them. Wing, either live with it or buy 2nd hand for £20. Thats circa £700 max to repair it, probably less, assuming the visible damage is the only damage. At least op could keep the car and with no claim it wouldnt have a Cat C stamp on it for the rest of its life.

[jasonmayall]

Most cyclists also own cars, and most car drivers also own a bike.
Why does every car owner hate bikes when most of them ride bikes too, and vise versa?
I have a car, and i cycle to work every day. Its better for my health, its fun and its considerably cheaper. Its about 6-7 mile each way, so i pass a lot of traffic on the way, and not once have i ever cut anyone up, or anyone cut me up. A cyclist should know that theyre not the biggest things on the road, and keep an eye out at ALL times, of whats going on around them, most importantly, they need to make themselves SEEN. Its a lot easier to get distracted when your driving a car cause you're comfy, sitting down and probly warm too, so there really isnt enough credit given to the cyclists.
I feel sorrt for the cyclist who got his by the OP here, but no doubt, he should have stopped for a red light as he was on the road, so really it was his fault. I also feel for the OP, but in all fairness, you should have seen the cyclist and more of a look out is needed when you're driving in the future.
I get that your car is a write off, but i bet the bike is pretty badly damaged too, and at least you both got out alive.
Would you have felt it was his fault if he had died, or would you be a wreck and be scared of getting in a car again?

[Viley10]

Well I wasn't speeding was at a cross road junction which only lets one set of traffic through at a time and goes in a clock wise direction. Like said before if it was a driver or a car then it would be a completely different story. I'd like to keep the car on the road and just been quoted £450+vat to fix it, that's a new windscreen, dents taken out of roof and sprayed. I'm not too bothered about the wing like said can just get a 2nd hand one. My insurance said if I fix it myself then it will have to have a mot and a vic check. Is this true? I thought that was only if I buy it bk?

[Llardy]

if its technically not been written off then It won't need a vic check or MOT. you only need one when it's been classed as a write off, and that will only happen if the insurance company get a hold of the car. either way I'd still get an MOT afterwards just for safety purposes.

[xscottxx]

cyclists who have discipline are fine. cyclists who don't look where they are going and ride in the middle of the road deserve to be mowed down.

also, cyclists who ride 2 abreast deserve a blunt force trauma directly to the face. if you want to go for a ride with your mate then fine, but ride infront or behind them. in that situation the best thing to do is pass as close as you can to them, give it a rev and a beep in the hope one of them falls off and creates a domino effect, dicks.

[m3wood]

one problem though: your 8v's probably haven't got enough torque to push someone off a bike :ponder:

lmao i did have to laugh even though i have the 8 v :oops:

[tokyodrifte]

And there you all were telling me to mow down the cunt that hit into my wing mirror... :homme:

[stevo67]

Funny thing is, if it was a car that had gone through the red light and hit him, the other driver would be at fault if it was proven they went through a red light. Why do cyclists get different treatment? They are still 'road users'. IMO, if the cyclist went through the red light, and you have a witness to prove it, they are at fault.

I agree I also think cyclists should all have insurance & some form of licence plate.That way when they go through a red light they get fine just the same as other road users.:y:

[outrage_uk]

Cyclists are a pain in the arse.

a) Because they are too slow.
b) Because the are usually up their own arse.
c) Because they wear ridiculous skin tight leggings.

They can't have it both ways. If your on the road you should have to pay insurance and tax like motorists. If not, get your self on the path and ride at a reasonable speed so you don't mow any grannys down.

Although horse riders are worse... as above but feel it's ok to leave piles of shite all over. :n:

By the way, cyclists do have to confirm with the road traffic act.... Section 7 Hereeeeeee..... (http://www.legislation.gov.uk/ukpga/1991/40/contents)

[SaxoJamie]

That sucks mate very unlucky. I wouldn't say the car was a total loss though as long as the car hasn't been compromised structually. I do feel cyclists need some form of numberplate/identification etc so if they are involved in an accident they can be tracked down and if they are idiots they get their bike smashed up/taken away lol.

I have seen lots of cyclists run red lights as some of them don't think any part of the highway code applies to them. He should have stopped at the red light but it pays to take great care turning right at lights especially when you have to wait for a gap etc in oncoming traffic - never assume vehicles are going to stop at the lights because they turn red sometimes they might be proceeding though at speed. You usually have enough time after the lights go red to make the right turn if you are out in the middle of the junction but always beware of traffic around you and judgement of speed is vital to safe driving.

[saxova]

Hope you reversed afterwards. Fucking cyclists.

I really laughed out loud! :clapping:

[Prickle]

ROFL ! :clapping:

That's going in my signature :D



:oops:

And there you all were telling me to mow down the cunt that hit into my wing mirror... :homme:

People on here say one thing in a thread, then do the opposite in another. You'll catch on soon enough...

[saxova]

Cyclist's have a right on the road.

Motorist's have a right to overtake them - why would we want to be sat in a car paying tax/insurance/fuel going the same speed as a cyclist?

I alway's give plenty of room - but when there's 4 at side of each other hogging the road, it's fucking annoying.

[Holty]

what an arsehole! hahaha i would of been pissed off, gutted for you mate

[BertieG]

tax, insurance and licensing would never work. would that mean a 3 year old learning to ride a bike can only do so after taxing, insuring and licensing their bike? if not, where do you draw the line?

they also wouldnt be taxed anyway, based on the fact that no emmisions are produced