We were on a tram the other day (we know right, a tram!), when we overheard part of a conversation that went a little like this, “ a car knocked me off my bike and had no idea what to do.” Obviously, that got us thinking about what we would do if we were knocked off our bike, which we thought would be a far easier question to answer than it actually is.
So we did what any normal person would do. We went home and researched every aspect we could to work out just what would be needed to protect ourselves medically, financially and legally (it was a boring day).
Anyway, to make sure that you aren’t in the same sticky situation as that person on the tram and that you do know exactly what strategy is needed, we have compiled a sort of guideline to help you make sure you are protected in every way possible. It could even be that you are able to help someone else with this immensely useful information too.
Stay Calm And Keep Clear
The first and foremost thing you need to do is ensure that you do not let your impossibly strong cocktail of adrenaline, rage, and fury get the better of you. You need to take some deep breaths and make sure you are okay. This is going to help you no end, especially when the emergency services show up.
Check You Are Okay
Adrenaline is known to mask a lot of injuries. It is all part of the shock. But make sure you check yourself immediately. If there is a visible sign of harm, then forget everything else, and make sure you are seen by a doctor of some kind, while simultaneously hoping that someone got the cars details. Your health is the most important thing, though.
Get That Pesky Driver’s Details
No matter what, you need to get the driver to stay. Even if you don’t think are hurt. We recommend you go against all the emotion in your body and do this as calmly and politely as you can. State that you would like them to wait for the police to show up, and ask any witnesses there are too. If it is a hit-and-run, try and get a snap of the license plate or any details of the car you can.
Take Photos Of Everything
While you are waiting for the police to arrive, get all the evidence and details you can. Start by getting the drivers details, things like their name, driver’s license, insurance, license plate and that sort of stuff. Once you have that, get your phone out and start photographing everything. That’s what any decent personal injury firm would tell you to do. You crumpled bike, their damaged car, the license plate, the street signs, the traffic lights, your (hopefully!) minor injuries. Everything you can. Why? Because it is better to have evidence you don’t need than need evidence you don’t have.
Make The Police Hear You
It is too easy for your voice to get lost as they interview the motorist. Don’t let this happen. Give a complete account of everything you remember from your perspective. The reason why your voice could be lost is that the police may want you to be rushed away for emergency care. Before you agree, though, politely ask if you can check their facts. Anything that isn’t correct needs to be amended.
Get The Claim Rolling
Once you have been told you are medically okay, it is time to phone the motorists insurance company and open a claim. Just remember not to give them any more details than you need to. Just stick to the basics: you were knocked off your bike but a driver at this place at that time. Done. You don’t have to disclose any more information that. Once you’ve done this, make sure you have these five things and then lawyer up. Go to a specialist. Someone that will be able to protect you legally and financially.