How to Handle Insurance Companies After a Cycling Accident

Dealing with insurance companies after a cycling accident can be daunting, especially if you’re recovering from injuries. Knowing how to navigate this process can help you secure fair compensation for medical expenses, bike repairs, and any other losses. ---

Contact your own insurer first

Even if another party was responsible for the accident, you should still inform your own insurance provider about the incident.

If you have dedicated cycling insurance, personal accident cover, or coverage through home or contents insurance, your insurer can guide you on making a claim. Some policies even provide legal assistance or accident cover for situations like these.

Gather relevant information

The more evidence you have, the stronger your case. Ask the other party for their insurance information, including their name, address, and vehicle registration number if a car was involved.

Witness details

If there were witnesses, ask for their contact details and statements.

Evidence

Document the accident scene, any visible injuries, bike damage, and the surrounding area to give context.

Police report

If the police attended the accident, obtain a copy of their report, as it will be an official record of the incident.

This evidence will be useful when negotiating with insurance companies and, if necessary, presenting your case in court.

Dealing with loss adjusters

An insurance loss adjuster is a professional employed or hired by an insurance company to investigate claims, assess damages, and determine the appropriate compensation amount for a policyholder.

A loss adjuster may contact you shortly after your accident. When dealing with a loss adjuster, consider the following:

• While they may request details, you’re not obligated to provide a complete statement before you’re ready. Request more time if you need it.
• Provide only key facts and avoid discussing the specifics of your accident and injuries, or assigning blame. Stick to the basic, factual details like the time and location of the accident.
• Initial (pre-medical) offers from insurance companies are often a tactic to get you to accept a lower compensation offer than you might be entitled to, as insurers aim to resolve claims quickly and cost-effectively.
• Avoid making statements that could be interpreted as admitting fault. For example, saying things like “I didn’t see them coming” could weaken your position. Stick to the facts and let the evidence speak for itself.

Seek legal advice before you accept a settlement

If you’ve suffered serious injuries or significant financial losses, consult a personal injury solicitor who specialises in cycling accidents before accepting any settlement offer. An experienced solicitor can:

• Assess the full extent of your losses, including future medical expenses, rehabilitation costs, lost income, and pain and suffering.
• Calculate the correct level of compensation, as insurers may offer less than you’re entitled to; a solicitor can handle negotiations to secure a better outcome.
• Handle all communications with your insurer, ensuring your interests are protected and relieving you of the stress of dealing with adjusters.

Retain all correspondence

Document every interaction with the insurance company, including phone calls, emails, and letters. Note dates, names, and what was discussed during each conversation.

Keeping a record will help you track your claim’s progress and serve as a reference if disputes arise. It also provides a paper trail, which can be helpful if you later decide to involve a solicitor.

Don’t rush the process

Insurance claims, especially those involving injuries, can take time. Although insurers may pressure you to settle quickly, remember that finalising a settlement too soon could leave you undercompensated.

Take the time to ensure all injuries and losses are fully understood and documented before making any decisions.

Helping you get the best compensation settlement

After a cycling accident, dealing with insurance companies can feel intimidating. Our experienced team is here to support you, ensuring your rights are protected while helping you navigate the complexities of insurance claims.

From providing clear communication to negotiating the maximum compensation, we’ll manage the no win, no fee claim process, so you can focus on your recovery.