Didn't expect this
Tourer
Joined: Jan 2012
Posts: 414
Likes: 3
From: Southeast
I would talk in detail with your insurance agent. Sounds like a comp claim to me, if you have that as part of your coverage, not just liability, as for the bike. Medical is a different story, your agent should be able to direct you for this instance, and better protection perhaps down the road. Great time to review all your insurance.
Agent first, lawyer later. Save $$$ you might not have to spend.
Agent first, lawyer later. Save $$$ you might not have to spend.
Tourer
Joined: Mar 2012
Posts: 380
Likes: 0
From: Land of OZ
WTF! He needs to pay - not your insurance. So - at the very minimum, you pay from your personal medical and have them subrogate. What do you know about the cyclist? If he has an income or any form of net worth you need to go after him for actual costs and pain and suffering.
Just the other day I was sitting outside having lunch and a bunch of young guys were all talking about the tens of thousands of dollars they'd gotten out of injury pain and suffering claims they'd successfully brought against car drivers. Guess what? They were all cyclists. Frankly - I've had it with people who don't abide by the rules of the road. Time to take it out of his hide.
Just the other day I was sitting outside having lunch and a bunch of young guys were all talking about the tens of thousands of dollars they'd gotten out of injury pain and suffering claims they'd successfully brought against car drivers. Guess what? They were all cyclists. Frankly - I've had it with people who don't abide by the rules of the road. Time to take it out of his hide.
Even though he doesn't have bicycle insurance he is still liable and your insurance company or you can go after him in court...it was HIS fault.
Bicyclists can be the worst, yet they're the first to bitch to others about the "rules of the road"!
Glad you're alive, it can always be worse
Cruiser
Joined: Jul 2008
Posts: 233
Likes: 0
From: Mississippi
Hey, glad you are gonna be okay, but hate this happened. Where I live, there are a lot of cyclists on the road, both on the Natchez Trace and on rural roads. We actually have out of state cycle tours come in this time of year. Anyway, I have the same concerns and have actually almost wrecked my truck on two occasions while towing my tractor on a trailer going to my deer camp. The fools ride in the middle of the lane on a very narrow twisty and up and down country road.....But I have never thought about their insurance....let us know how it turns out and hope you are back riding soon.
Ultimate HDF Member
Joined: Apr 2010
Posts: 7,138
Likes: 26
From: Southern Oregon
Over the years I've met my share of morons and idiots and I truly believe their King rides a bicycle. Ive seen morons ride on the fog line when theirs 2 or 3 feet of paved shoulder. There has been times I would have liked to hang a few of them by their spandex. Dont get me wrong, I "DO" believe in sharing the roadways but don't do it in a way that endangers yourself or others. sorry about the vent! Im glad your here to write about your mishap!
You definitely need to consult with an attorney!
You definitely need to consult with an attorney!
Tourer
Joined: Mar 2010
Posts: 274
Likes: 2
From: Minnesota
Suggest that you find a good injury lawyer in your area and consult with him/her. Does not matter what we suggest here on this forum, what does matter is what your attorney can do for you. The other guy was cited thus assumed responsible by law enforcement for this incident. Short answer is that he must compensate you for our losses. But he is not going to do it voluntarily. Your attorney will take care of this for you while you sip beer and browse for your next bike!!
I have to admit, most cyclist that I've seen do not obey the laws of the road. How many times have you stopped at a stop light only to see a cyclist stop and then go right through it. I understand they don't want to unhook their shoes but the law isn't "if you don't want to unhook your shoes, it's ok if you bike right through it." The law is you stop until it turns green and then go. It gets even more scary when there's a group of them doing this. One just about got clipped at a light on Sunday.
Last edited by Bo Joe; May 15, 2012 at 12:19 PM.
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Cruiser
Joined: Jan 2008
Posts: 113
Likes: 1
From: Nebraska
Got a call from his insurance agent today, home owners insurance is taking care of it. They are going to pay the medical bills and what we spend out of pocket for bandges and pain drugs. they also are going to send me a check for the deductible I have to pay on the bike to get it fix then Dairyland will get reimburst for what they pay out. And then he said in a month or so when I have healed up a bit and ready to have this over with that we would settle on pain and suffering and lost wages. State Farm is his company.
Outstanding HDF Member
Joined: Jul 2007
Posts: 3,341
Likes: 9
From: Woodinville, WA
Got a call from his insurance agent today, home owners insurance is taking care of it. They are going to pay the medical bills and what we spend out of pocket for bandges and pain drugs. they also are going to send me a check for the deductible I have to pay on the bike to get it fix then Dairyland will get reimburst for what they pay out. And then he said in a month or so when I have healed up a bit and ready to have this over with that we would settle on pain and suffering and lost wages. State Farm is his company.
Outstanding - that's the way it should work.
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