What To Do If Involved In A Cycling Accident

After having the remorseful driver later morph into blaming me, I can’t agree more with the point on finding a third party witness. If it happened again I wouldn’t hesitate to get the police on scene whilst details werestill fresh.
TAC were great but you will still be out of pocket and for some reason TAC don’t understand bike repairs should be classified as medical costs :).

After having the remorseful driver later morph into blaming me, I can’t agree more with the point on finding a third party witness. If it happened again I wouldn’t hesitate to get the police on scene whilst details werestill fresh.
TAC were great but you will still be out of pocket and for some reason TAC don’t understand bike repairs should be classified as medical costs :).

“Have him phone you on the spot so you have his number in your phone records. Perhaps don’t give him your details as he may screen your subsequent calls afterwards (just a suggestion).”

The first part is a great idea, but how can you do both?! :)

“Have him phone you on the spot so you have his number in your phone records. Perhaps don’t give him your details as he may screen your subsequent calls afterwards (just a suggestion).”

The first part is a great idea, but how can you do both?! :)

ha! Dumb 1am suggestion on my part ;-)

ha! Dumb 1am suggestion on my part ;-)

If a driver’s hit you, chances are he’s broken a law in doing so. (Well they did in both my accidents.) So they legally have to provide you with license details. Straight after visiting the doctor (you remember the TC incident!), write up a detailed statement and take it into your local police station. They were great and said they’d follow it up on both occasions. It’s also good leverage down the track if you need it.
Quickly get a quote for repairs and put any claims in writing/email. Press for it to be finalised as quick as possible before the drivers feeling of guilt fades.

If a driver’s hit you, chances are he’s broken a law in doing so. (Well they did in both my accidents.) So they legally have to provide you with license details. Straight after visiting the doctor (you remember the TC incident!), write up a detailed statement and take it into your local police station. They were great and said they’d follow it up on both occasions. It’s also good leverage down the track if you need it.
Quickly get a quote for repairs and put any claims in writing/email. Press for it to be finalised as quick as possible before the drivers feeling of guilt fades.

Here’s my experience

1/ Tboned by a semi trailer on Beach Rd near Elwood canal – driver did not give way on his right (to me). Outcome. Lying in middle of 3 lanes, subluxated collarbone, broken M Frames, Helmet, other damage.

Action: witness details. Got off road. Got driver’s license number etc.

Rode 8km to Hampton police station and reported it (dripping blood, subluxation in place) – police rang driver, confirmed statements, issued fine+3 demerits.

I rode home, GP (patch up), hospital for xray, filed TAC claim next day.

Driver paid damages after 1 month chasing him – $1300.

2/ Riding up Anderson St driver opened door on me (20km/h standing up on pedals). Me on road. Got d/license. Reported him to police. He disputed events. Station seargeant fined him anyway. Wrote him a letter of demand (he looked a bit poor). Followed upo by phoning him to pay for assessed bike damage ($600). He denied liability and tried to make it $100. He claimed the police said it was my fault and his friend said so too.

I threatened lawyers and got the $600.

3/ 3-4 other random bingles (usually collected by a driver turning straight across me on Beach Rd without indicating/looking) have ended without damage.

Moral. Get cycle cover just in case.

Here’s my experience

1/ Tboned by a semi trailer on Beach Rd near Elwood canal – driver did not give way on his right (to me). Outcome. Lying in middle of 3 lanes, subluxated collarbone, broken M Frames, Helmet, other damage.

Action: witness details. Got off road. Got driver’s license number etc.

Rode 8km to Hampton police station and reported it (dripping blood, subluxation in place) – police rang driver, confirmed statements, issued fine+3 demerits.

I rode home, GP (patch up), hospital for xray, filed TAC claim next day.

Driver paid damages after 1 month chasing him – $1300.

2/ Riding up Anderson St driver opened door on me (20km/h standing up on pedals). Me on road. Got d/license. Reported him to police. He disputed events. Station seargeant fined him anyway. Wrote him a letter of demand (he looked a bit poor). Followed upo by phoning him to pay for assessed bike damage ($600). He denied liability and tried to make it $100. He claimed the police said it was my fault and his friend said so too.

I threatened lawyers and got the $600.

3/ 3-4 other random bingles (usually collected by a driver turning straight across me on Beach Rd without indicating/looking) have ended without damage.

Moral. Get cycle cover just in case.

I should add, ALWAYS get their license details and report an incident. Hampton police told me it’s actually unlawful NOT to report an incident or get the license (I can’t remember which). In my second case above I was told (as I reported it a week or so later) that the sergeant might fine ME for not reporting it or getting the offendor’s license (I can’t remember which way around).

It’s always best to report it and have it on the record.

I should add, ALWAYS get their license details and report an incident. Hampton police told me it’s actually unlawful NOT to report an incident or get the license (I can’t remember which). In my second case above I was told (as I reported it a week or so later) that the sergeant might fine ME for not reporting it or getting the offendor’s license (I can’t remember which way around).

It’s always best to report it and have it on the record.

Crashing is always risky, the most important part is having the right insurance!!! My bike is covered by an excellent Home and Contents policy with only a $100 excess and coverage over all events excluding motor pacing and racing. There are no stupid additional excesses, so that means no carbon excess!

In relation to the bike insurance Wade, if your interested shoot me an email and I’ll put you in touch with a mate of mine whose family owns an Insurance Brokers business. The policy he got for me is fantastic and he could probably do some sort of special for CT readers.

Crashing is always risky, the most important part is having the right insurance!!! My bike is covered by an excellent Home and Contents policy with only a $100 excess and coverage over all events excluding motor pacing and racing. There are no stupid additional excesses, so that means no carbon excess!

In relation to the bike insurance Wade, if your interested shoot me an email and I’ll put you in touch with a mate of mine whose family owns an Insurance Brokers business. The policy he got for me is fantastic and he could probably do some sort of special for CT readers.

Clarky,

I would love the details of the insurance company brand new s works can’t get covered through home contents for damage on road

Clarky,

I would love the details of the insurance company brand new s works can’t get covered through home contents for damage on road

Bikes these days are quite expensive (some cost as much as a small car)! So it stands to reason you should seriously consider insuring your bike (or bikes).
There are a number specialist groups that will provide you with insurance cover for your bike. Most are simply an extension of your home and contents insurance. I know of 3 insurers (in Oz) that provide specific cover for cyclists:
* CycleCover
* CycleSafe
* Velosure
I wouldn’t ride my bike without it…

Bikes these days are quite expensive (some cost as much as a small car)! So it stands to reason you should seriously consider insuring your bike (or bikes).
There are a number specialist groups that will provide you with insurance cover for your bike. Most are simply an extension of your home and contents insurance. I know of 3 insurers (in Oz) that provide specific cover for cyclists:
* CycleCover
* CycleSafe
* Velosure
I wouldn’t ride my bike without it…

Do tell re Policy?

Do tell re Policy?

Hi CT,
I had an incident about a month ago along Marine Pde just before the BP. A cyclist was riding in a small bunch and chopped me off. Put his rear wheel into my front wheel and broke a few spokes and crack a carbon rim. He admitted fault and gave me his phone number. He had agreed to pay damages and even gave the go ahead for repairs. Then rang the day after to say he had been “advised” that he was not at fault and didn’t pay.

As mentioned, always get drivers license or at least full name and address. Try and get a witness, otherwise it’s your word against theirs. Don’t trust them to follow through after the incident. Even fellow cyclists can change their spots when it effects the hip pocket.

Also you mention insurance to cover your bike in an accident. Don’t forget to cover 3rd party damage in case you end up been the rider at fault. Accidents do happen. I’ve seen what CT and his team mates ride/drive, if you run into one of them and if your not covered, I hope you mortgage has a good overdraft!

Hi CT,
I had an incident about a month ago along Marine Pde just before the BP. A cyclist was riding in a small bunch and chopped me off. Put his rear wheel into my front wheel and broke a few spokes and crack a carbon rim. He admitted fault and gave me his phone number. He had agreed to pay damages and even gave the go ahead for repairs. Then rang the day after to say he had been “advised” that he was not at fault and didn’t pay.

As mentioned, always get drivers license or at least full name and address. Try and get a witness, otherwise it’s your word against theirs. Don’t trust them to follow through after the incident. Even fellow cyclists can change their spots when it effects the hip pocket.

Also you mention insurance to cover your bike in an accident. Don’t forget to cover 3rd party damage in case you end up been the rider at fault. Accidents do happen. I’ve seen what CT and his team mates ride/drive, if you run into one of them and if your not covered, I hope you mortgage has a good overdraft!

How does it work in bunch rides when someone might get a wheel chopped or similar; or a rider may cause several other riders to come down. Who is at fault / laiable? Is it part of the risk you accept when riding in groups like Nth Rd?

How does it work in bunch rides when someone might get a wheel chopped or similar; or a rider may cause several other riders to come down. Who is at fault / laiable? Is it part of the risk you accept when riding in groups like Nth Rd?

That is a really, really pertinent question.

Especially in the context of your insurance cover, and any exclusions.

Is this type of scenario considered training? Is the situation considered high-risk and therefore in breach of the Ts and Cs.

Clarky or his contact might have something to add, as many of us from Meltown on this blog will be in the North Rd or similar (or races) at one time or the other.

Tim M

That is a really, really pertinent question.

Especially in the context of your insurance cover, and any exclusions.

Is this type of scenario considered training? Is the situation considered high-risk and therefore in breach of the Ts and Cs.

Clarky or his contact might have something to add, as many of us from Meltown on this blog will be in the North Rd or similar (or races) at one time or the other.

Tim M

In my opinion
Bunch rides like North Rd i would not expect ‘the person at fault’ to pay up. Doing a ride like that nobody intends to crash, and yet inevitably crashes do happen. Just as in racing, if someone puts me on the deck and my $3,000 wheel breaks i don’t expect to be paid by anyone. That’s just tough luck.

Crashes and bike damage is unfortunately apart of cycling and i think most serious cyclists should allow for this in their budget, or take it as an opportunity to upgrade.

However if you are riding by yourself or a few mates and some total random not apart of your ride ends up taking you out ‘CT style’. then hopefully they have the guts to pay up.

In my opinion
Bunch rides like North Rd i would not expect ‘the person at fault’ to pay up. Doing a ride like that nobody intends to crash, and yet inevitably crashes do happen. Just as in racing, if someone puts me on the deck and my $3,000 wheel breaks i don’t expect to be paid by anyone. That’s just tough luck.

Crashes and bike damage is unfortunately apart of cycling and i think most serious cyclists should allow for this in their budget, or take it as an opportunity to upgrade.

However if you are riding by yourself or a few mates and some total random not apart of your ride ends up taking you out ‘CT style’. then hopefully they have the guts to pay up.

Bicycle Victoria provide excellent personal and third party accident cover, but unfortunately don’t cover equipment damage. For around $100, at least there is peace of mind regarding any personal injury you may suffer.

Added benefits to members is personalised legal advice after an accident. This might be the difference between successfully having the costs of an accident paid, or being stuck with a hefty bill.

Bicycle Victoria provide excellent personal and third party accident cover, but unfortunately don’t cover equipment damage. For around $100, at least there is peace of mind regarding any personal injury you may suffer.

Added benefits to members is personalised legal advice after an accident. This might be the difference between successfully having the costs of an accident paid, or being stuck with a hefty bill.

I am with Cyclecover (highly recommended after my crash) and I am covered for racing and training down to specific items. I need to pay a carbon excess if my bike brakes but I would rather pay the excess than fork out major money for a new bike.

Insurance highly recommended

I am with Cyclecover (highly recommended after my crash) and I am covered for racing and training down to specific items. I need to pay a carbon excess if my bike brakes but I would rather pay the excess than fork out major money for a new bike.

Insurance highly recommended

BV suck. The $100 is a waste. TAC cover bills for road accidents and they just refer you to Slater & Gordon or Morris Blackburn lawyers, who you can go straight to anyway.

Bicycle Queensland offer a similar service with 3rd party and free legal advice for $55/yr or something; I assume there would be matching associations in NSW, SA, WA etc.

Everyone should have 3rd party personal as a minimum. If you cause an accident with a cyclist, pedestrian or car causing serious injury and are found to be negligent you can be up for financially crippling amounts of money.

BV suck. The $100 is a waste. TAC cover bills for road accidents and they just refer you to Slater & Gordon or Morris Blackburn lawyers, who you can go straight to anyway.

Bicycle Queensland offer a similar service with 3rd party and free legal advice for $55/yr or something; I assume there would be matching associations in NSW, SA, WA etc.

Everyone should have 3rd party personal as a minimum. If you cause an accident with a cyclist, pedestrian or car causing serious injury and are found to be negligent you can be up for financially crippling amounts of money.

Anon,

When you say “TAC cover bills for road accidents”, do you mean all bills, or just medical bills? As far as I knew, BV covers you for 3rd party property damage as well. I had a friend who got tangled up in some tram lines and ended up hitting and scratching some guy’s fancy SS ute (that was parked), and my friend was liable for the costs to fix it. I’ve requested a copy of the policy wording from BV to confirm they cover this sort of thing, but maybe someone else already knows for sure?

Anon,

When you say “TAC cover bills for road accidents”, do you mean all bills, or just medical bills? As far as I knew, BV covers you for 3rd party property damage as well. I had a friend who got tangled up in some tram lines and ended up hitting and scratching some guy’s fancy SS ute (that was parked), and my friend was liable for the costs to fix it. I’ve requested a copy of the policy wording from BV to confirm they cover this sort of thing, but maybe someone else already knows for sure?

how much is the poilcy costing per year .. you have a 12K bike so it must be a fair bit.

do they discount if the bike is BRIGHT YELLOW ?

how much is the poilcy costing per year .. you have a 12K bike so it must be a fair bit.

do they discount if the bike is BRIGHT YELLOW ?

Why on earth would you have a 3000.00 wheelset on NNR? Maybe the bills wouldnt be so high if people used TRAINING bikes and wheels for TRAINING, and saved the fast stuff for when it counts……

Why on earth would you have a 3000.00 wheelset on NNR? Maybe the bills wouldnt be so high if people used TRAINING bikes and wheels for TRAINING, and saved the fast stuff for when it counts……

I’m getting a bunch of insurance policy stuff together and Clarky has emailed me the details. I’ll post next week so that there’s a good comparison outlined

I’m getting a bunch of insurance policy stuff together and Clarky has emailed me the details. I’ll post next week so that there’s a good comparison outlined

I agree Jason. If I see some dangerous behavior happening on a bunch ride I’ll usually try to get ahead of it. If you can’t get ahead of it, being closely behind it is a bad place to be. Better to leave the bunch altogether. I feel that it’s your responsibility in a bunch ride to make the right decisions and be within your surrounding comfort level.

I agree Jason. If I see some dangerous behavior happening on a bunch ride I’ll usually try to get ahead of it. If you can’t get ahead of it, being closely behind it is a bad place to be. Better to leave the bunch altogether. I feel that it’s your responsibility in a bunch ride to make the right decisions and be within your surrounding comfort level.

Justin, You’re spot on (but please check your policy)- one of the reasons I have BV membership is for the 3rd party property- just in case I crash into a Porsche on beach rd one morning!

Justin, You’re spot on (but please check your policy)- one of the reasons I have BV membership is for the 3rd party property- just in case I crash into a Porsche on beach rd one morning!

Don’t stress anon, i was just using the $3,000 wheelset as an example when racing. i train on mavic aksiums and race on lighter clinchers for club/state racing and zipps for state/national racing.

Don’t stress anon, i was just using the $3,000 wheelset as an example when racing. i train on mavic aksiums and race on lighter clinchers for club/state racing and zipps for state/national racing.

Anon, TAC only covers Medical bills in a Public Hospital (and working in the sugical field I would rather put up with my broken arm for the rest of my life than have a junior registrar stuff it up. (Thats another point-All riders should take out Private Medical Insurance. You can’t say you can’t afford it if your training on Zipps and a 12K+ bike)and only if you are involved with a motorcar or motorbike. And when you are finshed winning all your money back with S&G they will take most of it off your hands.

I have BV insurance after a friend recommended it to me. A month after I took it out I got cleaned up by a car. BV and their FREE legal advice got all of the money out of the driver to pay for broken bike, components and clothing as well as bike inspection costs and Dr’s bills.

Don’t forget that BV also pays for damage to other peoples property if it’s your fault. How many times riding along Beach Rd have you riden by a parked Porsche, BMW, Merc etc! Imagine how much panel beating and re spray of a Lambo’s rear quarter panel would cost if you hit it. The drivers not going to say don’t worry about it, its just my old Lambo.

Anon, TAC only covers Medical bills in a Public Hospital (and working in the sugical field I would rather put up with my broken arm for the rest of my life than have a junior registrar stuff it up. (Thats another point-All riders should take out Private Medical Insurance. You can’t say you can’t afford it if your training on Zipps and a 12K+ bike)and only if you are involved with a motorcar or motorbike. And when you are finshed winning all your money back with S&G they will take most of it off your hands.

I have BV insurance after a friend recommended it to me. A month after I took it out I got cleaned up by a car. BV and their FREE legal advice got all of the money out of the driver to pay for broken bike, components and clothing as well as bike inspection costs and Dr’s bills.

Don’t forget that BV also pays for damage to other peoples property if it’s your fault. How many times riding along Beach Rd have you riden by a parked Porsche, BMW, Merc etc! Imagine how much panel beating and re spray of a Lambo’s rear quarter panel would cost if you hit it. The drivers not going to say don’t worry about it, its just my old Lambo.

Because life is too short to ride with crap wheels.

In regards to the chop, if you get done on your front then clearly it is your own fault. Either ride up front, or in a group of riders you trust and know, or stay the hell back.

Because life is too short to ride with crap wheels.

In regards to the chop, if you get done on your front then clearly it is your own fault. Either ride up front, or in a group of riders you trust and know, or stay the hell back.

Just to clarify, TAC in Victoria covers medical bills ONLY if a car is involved.

Just to clarify, TAC in Victoria covers medical bills ONLY if a car is involved.

Looking forward to this post, CT. I’ve just had a rescan of my policy wording, and I’m a bit baffled. I’d be very interested in hearing about the other options out there.
Cheers!

Looking forward to this post, CT. I’ve just had a rescan of my policy wording, and I’m a bit baffled. I’d be very interested in hearing about the other options out there.
Cheers!

Yes, only if a car is involved. TAC is primarily funded by vehicle registration. As Cyclists, runners, pedestrians do not pay Rego we are only covered by TAC in Public Hospitals if a vehicle is involved. Otherwise we could all be getting free medical services every time we trip over on the street.

Yes, only if a car is involved. TAC is primarily funded by vehicle registration. As Cyclists, runners, pedestrians do not pay Rego we are only covered by TAC in Public Hospitals if a vehicle is involved. Otherwise we could all be getting free medical services every time we trip over on the street.

— Great advice, you should get contact info/statements from anyone who witnessed the accident too… that helped me when a motorist (at fault) tried to change his story later.

— Great advice, you should get contact info/statements from anyone who witnessed the accident too… that helped me when a motorist (at fault) tried to change his story later.

Having had this kind of incident before, Things I do know are that here in SA you are considered to be a vehicle so I have been attended to a few times before, sure you go to a public hospital but anything major here and you go to the same hospital, Once I had the bolt that clamps the bike seat to the post break, only me involved the home and contents paid for all of my damages including the clothes that were cut off. In December I got cleaned up, All I can say from the last one was go through your on contents cover they paid for a new bike just after verifying with the LBS that it was a write off and I should go down and pay the $100 excess and pick up my bike, after his insurance company was going to offer me something like 1/2 price cause my bike was not worth that much in the eyes of his assessor.

Having had this kind of incident before, Things I do know are that here in SA you are considered to be a vehicle so I have been attended to a few times before, sure you go to a public hospital but anything major here and you go to the same hospital, Once I had the bolt that clamps the bike seat to the post break, only me involved the home and contents paid for all of my damages including the clothes that were cut off. In December I got cleaned up, All I can say from the last one was go through your on contents cover they paid for a new bike just after verifying with the LBS that it was a write off and I should go down and pay the $100 excess and pick up my bike, after his insurance company was going to offer me something like 1/2 price cause my bike was not worth that much in the eyes of his assessor.

Mine is white so it is all good.

It includes contents and it is about $100/month. A necessary evil but worth it

Mine is white so it is all good.

It includes contents and it is about $100/month. A necessary evil but worth it

Just to confirm, I checked with BV regarding their insurance policy. From an email they sent me, I quote:

“Please be advised that Bicycle Victoria membership insurance covers you for personal injury and third party property/injury. Our insurance covers you any time you are on a bike.”

Good to know, and I think worth $100 a year.

Just to confirm, I checked with BV regarding their insurance policy. From an email they sent me, I quote:

“Please be advised that Bicycle Victoria membership insurance covers you for personal injury and third party property/injury. Our insurance covers you any time you are on a bike.”

Good to know, and I think worth $100 a year.

policy wording is critical, as the contents may cover for theft or damage to sporting goods, but not while they are being used for their intended purpose……so I am looking…..cant get car insurance to cover bike, neither motor bike….untapped market I would have thought

policy wording is critical, as the contents may cover for theft or damage to sporting goods, but not while they are being used for their intended purpose……so I am looking…..cant get car insurance to cover bike, neither motor bike….untapped market I would have thought

Yeah, Allianz covers theft and damage, but not while riding. I’m often worried about my bike being stolen while I’m riding it!!

Yeah, Allianz covers theft and damage, but not while riding. I’m often worried about my bike being stolen while I’m riding it!!

The way I understand it, BV covers all injury (to yourself and others) and all third party property. It just doesn’t cover your own bike.

The way I understand it, BV covers all injury (to yourself and others) and all third party property. It just doesn’t cover your own bike.

Hi all,

Just to make things a little clearer. If you are involved in a crash / accident and you were on the road and it was “owing to the presence” of a motor vehicle you will be covered by TAC.

If you are injured and or the bike or other property is damaged both parties involved are required by law to exchange names and addresses. There is no requirement for somebody to give you their licence number – unless its the police asking. If the other party doesn’t comply they commit an offence.

If you have a camera- phone use it. Photograph as much as possible. Also consider using the phones recorder for admissions. “Witnesses are a priority make sure you get a contact number and ask what they saw.” It might be different to what you saw – didn’t see. If you are getting the run around call 000 and request police attendance.

Hi all,

Just to make things a little clearer. If you are involved in a crash / accident and you were on the road and it was “owing to the presence” of a motor vehicle you will be covered by TAC.

If you are injured and or the bike or other property is damaged both parties involved are required by law to exchange names and addresses. There is no requirement for somebody to give you their licence number – unless its the police asking. If the other party doesn’t comply they commit an offence.

If you have a camera- phone use it. Photograph as much as possible. Also consider using the phones recorder for admissions. “Witnesses are a priority make sure you get a contact number and ask what they saw.” It might be different to what you saw – didn’t see. If you are getting the run around call 000 and request police attendance.

I just wanted to say thanks for this post. I had read it when you put it up back in Sept and kinda mentally filed it away. Well I am very thankful you had posted this and that I had read it, because I got hit by, of all things, a police car while cycling to work this morning. I remembered the part on going to get checked out, the last bullet point, and I’m really glad that I did. I just have some bruises and bumps, but it makes it a lot easier with paperwork/insurance/etc. Thanks for this.

I just wanted to say thanks for this post. I had read it when you put it up back in Sept and kinda mentally filed it away. Well I am very thankful you had posted this and that I had read it, because I got hit by, of all things, a police car while cycling to work this morning. I remembered the part on going to get checked out, the last bullet point, and I’m really glad that I did. I just have some bruises and bumps, but it makes it a lot easier with paperwork/insurance/etc. Thanks for this.

tac cover you for treatment wherever, you are considered a private patient. I treat private patients all the time where TAC is responsible for the bills. Obviously they need to approve procedures etc but they don’t just cover public hospitals

tac cover you for treatment wherever, you are considered a private patient. I treat private patients all the time where TAC is responsible for the bills. Obviously they need to approve procedures etc but they don’t just cover public hospitals

I'd like to add: go see a dentist. Found out, over 2 months later, that I had chipped some enamel on my teeth! So go see a dentist after a bike accident, even if you don't think you did anything. I definitely didn't think I had hurt my teeth; turns out I had.

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