OT: Advice on public liability (not driving related)

23e Heure · Post by **23e Heure** » Wed May 06, 2009 11:19 am

Anyone had experience with personal injury claims?

I was cycling home from work and a runner ran straight into the road in front of me.
We collided and both went down.
He admitted he had not looked to check for oncoming traffic, and that it was his fault.
The poor guy lost a tooth, and is now claiming on his insurance.
I have no public liability insurance.

Don't fancy getting screwed by his insurers. PMs of advice welcomed...

Ralph · Post by **Ralph** » Wed May 06, 2009 12:07 pm

Does a household policy not cover you for this sort of thing?

Mr Pharmacist · Post by **Mr Pharmacist** » Wed May 06, 2009 12:21 pm

and if you own a credit card dont they sometimes have similar cover?

23e Heure · Post by **23e Heure** » Wed May 06, 2009 1:22 pm

Good ideas guys, thanks.
I'll check my other policies to see if I get cover.

IanMcLeod · Post by **IanMcLeod** » Wed May 06, 2009 7:00 pm

How come you think you will have to pay if he admitted it was not your fault. Or has he now changed his story?

Ian.

23e Heure · Post by **23e Heure** » Wed May 06, 2009 8:13 pm

He has not changed his story, but I'm being careful (sorry to stereotype, but he is an American...)
He admitted fault at the scene, but maybe he was in shock and confused etc.

Turns out I have do have cover - through my household contents. Thanks for the suggestion Ralph.

Bladesman · Post by **Bladesman** » Thu May 07, 2009 12:50 pm

PM sent