Author Topic: Knocked off - tell me what I need to do  (Read 20161 times)

citoyen

  • Cat 6 Racer
Re: Knocked off - tell me what I need to do
« Reply #50 on: September 20, 2016, 10:38:50 pm »
Can't offer any advice, only plenty of sympathy. Heal well and fast, Dr M.

Re: Knocked off - tell me what I need to do
« Reply #51 on: September 20, 2016, 11:17:48 pm »
 :(
Get well soon Ian.
Claiming on the insurance can never put you back in the same position you were before this- there is no financial compensation that makes this right. If the guy on your photos is the driver of the taxi- he doesn't look anywhere near sorry and remorseful enough for the pain and suffering he has caused you  >:( Go for all the compensation you can get. Hopefully the police will prosecute him.

Don't forget to record the emotional and psychological impact of an injury like that. I think it should be considered in the league of life changing injury- cannot be easily repaired to give an 'as before' result. But dentists can do amazing things- Zigzag has a fantastic smile so is proof of this!

Re: Knocked off - tell me what I need to do
« Reply #52 on: September 20, 2016, 11:31:23 pm »
Yes feline - thank you.

Yes jo, New bike will need gold accents to match gangsta teeth

Re: Knocked off - tell me what I need to do
« Reply #53 on: September 20, 2016, 11:35:08 pm »
Fuckity fuck, that's awful, Ian - hope you're getting some good TLC.

On the bright dark side, you'd fit right in on the York-Whitby Goths ride.

Re: Knocked off - tell me what I need to do
« Reply #54 on: September 21, 2016, 10:53:50 am »
You poor soul- that looks horrific.

MrS has dental implants after smashing out front teeth on a canal boating holiday (don't ask). They are indisinguishable from the real thing and are definitely a lifetime replacement, however do your research and go for a well-regarded dental implant specialist. They take a few months and a few surgeries to put in and are not cheap, but the insurance should cover it. He had a temporary plate thingy whilst the grafts took.

GWS.
"Let me tell you what I think of bicycling. I think it has done more to emancipate women than anything else in the world."

hellymedic

  • Just do it!
Re: Knocked off - tell me what I need to do
« Reply #55 on: September 21, 2016, 10:58:22 am »
Seems there's quite a lot of bone damage there that might make dental implants more 'challenging' but I am not a dentist.

Hope you get fixed really well!

Re: Knocked off - tell me what I need to do
« Reply #56 on: September 21, 2016, 11:00:56 am »
 :(  Sorry to hear about what's happened - like others, hoping you get a good outcome.  GWS.
"an inordinate fondness for beetles"

Re: Knocked off - tell me what I need to do
« Reply #57 on: September 21, 2016, 12:01:36 pm »
No, you will have to have been a member of CTC at the time of the accident to use the free service.
Is that a new thing? I used the service and was asked to join after the crash, and lots of others have in the past. Though I'm not entirely sure what the difference is between the CTC free thing and a no-win-no-fee deal.

Quote
If the police find the motorist liable and once you have the notification of final outcome from criminal justice there's nothing for the insurers to do except pay out.

One might hope so, but unfortunately you are mistaken on several levels.

Agree with Pickled Onion.  My own case was watertight as far as blame was concerned but the bone of contention was the level of compensation plus removing the element of 'contributory negligence'.

The CTC's bods were very good at sorting out independent specialists who assessed my injuries and provided what must have been very expensive reports.  My compensation was many times what I expected but as Feline says it's always better if the injury never happened and it's important to consider the chance of future medical care being needed.  The latter is something insurers try to get waived in return for a quick or higher initial settlement and your legal rep should be able to get advice on that.

Sic transit and all that..

mattc

  • n.b. have grown beard since photo taken
    • Didcot Audaxes
Re: Knocked off - tell me what I need to do
« Reply #58 on: September 21, 2016, 12:08:09 pm »
...
  My own case was watertight as far as blame was concerned but the bone of contention was the level of compensation plus removing the element of 'contributory negligence'.

The CTC's bods were very good at sorting out independent specialists who assessed my injuries and provided what must have been very expensive reports.

...
Did you have to pay up-front for any of these specialists?

I'm being asked to pay a medical expert's fees, then hope to claim them back as part of my compensation.  :-\
Has never ridden RAAM
---------
No.11  Because of the great host of those who dislike the least appearance of "swank " when they travel the roads and lanes. - From Kuklos' 39 Articles

Re: Knocked off - tell me what I need to do
« Reply #59 on: September 21, 2016, 12:12:41 pm »
...
  My own case was watertight as far as blame was concerned but the bone of contention was the level of compensation plus removing the element of 'contributory negligence'.

The CTC's bods were very good at sorting out independent specialists who assessed my injuries and provided what must have been very expensive reports.

...


Did you have to pay up-front for any of these specialists?

I'm being asked to pay a medical expert's fees, then hope to claim them back as part of my compensation.  :-\

No, I paid for nothing, the solicitor arranged everything.
Sic transit and all that..

Re: Knocked off - tell me what I need to do
« Reply #60 on: September 21, 2016, 12:47:55 pm »
Very ouch! and a slightly late GWS, but you've still got one or two bits of GW to do I reckon

Re: Knocked off - tell me what I need to do
« Reply #61 on: September 21, 2016, 12:55:01 pm »
Sorry to see what's happened.

Best wishes for a full and speedy recovery.

Steve GT

  • Crediamo in te, bici!
Re: Knocked off - tell me what I need to do
« Reply #62 on: September 21, 2016, 03:45:12 pm »
Sorry to hear that Doc.
GWS.

Re: Knocked off - tell me what I need to do
« Reply #63 on: September 21, 2016, 03:50:19 pm »
Jeez, Doc - now you'll have to put that Male Modelling backup career on hold.

I like the Gold Teeth idea - they'd go well with your hair  :P.

I bet that hurts like fuck. Take ALL the drugs - you have form; we saw the carrier bag of drugs you had at LEL after a previous attempt at eating cars. Seriously - hope you feel better soon.

Re: Knocked off - tell me what I need to do
« Reply #64 on: September 21, 2016, 03:52:42 pm »
Never be a better time to claim Therapeutic Use Exemption.

Pedal Castro

  • so talented I can run with scissors - ouch!
    • Two beers or not two beers...
Re: Knocked off - tell me what I need to do
« Reply #65 on: September 21, 2016, 07:53:04 pm »
Shit, that doesn't look pretty.  Tell your wife before she finds out through other means (postings on YACF for example).

When I crashed at Reading Track during a school/university training session and was taken to hospital with concussion the school thought it wise to send the school chaplain round to tell Mrs PC! The sight of the dog collar and "Your husband has been in an accident..." was not very calming.

dim

Re: Knocked off - tell me what I need to do
« Reply #66 on: September 21, 2016, 09:26:57 pm »
Yikes ... :'(

get well soon mate ....

that's my worst nightmare ... I commute over 300km per week in heavy traffic and have had a few close calls with reckless drivers... last week, I took out the Wiggle Elite bike insurance ... I insured 2 of my bikes (a Specialized S-Works Transition E5 which I use as my daily commuter, and my Giant TCR) ...

I insured the Specialized for £1250 (it's an older model with Campy Chorus Groupset, and my Giant TCR for £1000) .... the Elite package covers theft, vandalism, accident, 1 million 3rd party, £300 towards dental/physio, free legal aid, taxi fare if you have a breakdown, etc etc etc

costs me £17 and a few pennies per month for both bikes

hopefully, I won't need to use it, but it's worth considering if you commute in heavy traffic

I will also be buying the Cycliq Fly6 action/video camera at the end of this month
“No great mind has ever existed without a touch of madness.” - Aristotle

hellymedic

  • Just do it!
Re: Knocked off - tell me what I need to do
« Reply #67 on: September 21, 2016, 09:33:54 pm »
Yikes ... :'(

get well soon mate ....

that's my worst nightmare ... I commute over 300km per week in heavy traffic and have had a few close calls with reckless drivers... last week, I took out the Wiggle Elite bike insurance ... I insured 2 of my bikes (a Specialized S-Works Transition E5 which I use as my daily commuter, and my Giant TCR) ...

I insured the Specialized for £1250 (it's an older model with Campy Chorus Groupset, and my Giant TCR for £1000) .... the Elite package covers theft, vandalism, accident, 1 million 3rd party, £300 towards dental/physio, free legal aid, taxi fare if you have a breakdown, etc etc etc

costs me £17 and a few pennies per month

hopefully, I won't need to use it, but it's worth considering if you commute in heavy traffic

£300 for dental?!?!

That is NOTHING!!! (I'd guess DrM's dental bill will be £4K-£10K)

£17 per month is £200 per year. This doesn't impress me but I'm a cynic

Re: Knocked off - tell me what I need to do
« Reply #68 on: September 21, 2016, 09:42:46 pm »
£17 per month is £200 per year. This doesn't impress me but I'm a cynic

That's a bit over 2/5 of what we're paying to Pedalcover for buildings and contents insurance (including 3rd party liability and legal cover), with bikes covered as unspecified personal possessions, and limits that are more than comfortable for anything we own.

Anyway, I'd be surprised if Dr M didn't already have insurance cover he was happy with, and I don't know that waving premium numbers around is going to be terribly helpful at this point.

(Nor are good wishes from internet strangers, really, but he's welcome to them too.)

dim

Re: Knocked off - tell me what I need to do
« Reply #69 on: September 21, 2016, 09:51:40 pm »
Yikes ... :'(

get well soon mate ....

that's my worst nightmare ... I commute over 300km per week in heavy traffic and have had a few close calls with reckless drivers... last week, I took out the Wiggle Elite bike insurance ... I insured 2 of my bikes (a Specialized S-Works Transition E5 which I use as my daily commuter, and my Giant TCR) ...

I insured the Specialized for £1250 (it's an older model with Campy Chorus Groupset, and my Giant TCR for £1000) .... the Elite package covers theft, vandalism, accident, 1 million 3rd party, £300 towards dental/physio, free legal aid, taxi fare if you have a breakdown, etc etc etc

costs me £17 and a few pennies per month

hopefully, I won't need to use it, but it's worth considering if you commute in heavy traffic

£300 for dental?!?!

That is NOTHING!!! (I'd guess DrM's dental bill will be £4K-£10K)

£17 per month is £200 per year. This doesn't impress me but I'm a cynic

suppose that you have a point, but irrespective, it's worthwhile taking out an insurance (any insurance) if you ride your bike as the insurance will handle the legal side of things and if your dental treatment costs £4k, you will have lawyers on your side for free... and if you are at fault and bang a Bentey or a Rolls or a Ferrari, or ride over an old woman crossing the street, you will be covered

Wiggle was the one that impressed me the most, based on price and reviews
“No great mind has ever existed without a touch of madness.” - Aristotle

Re: Knocked off - tell me what I need to do
« Reply #70 on: September 21, 2016, 09:53:49 pm »
I can see dental being  a four figure sum.
Claim.

Samuel D

Re: Knocked off - tell me what I need to do
« Reply #71 on: September 21, 2016, 11:07:41 pm »
That is dreadful. Well done on having the presence of mind to get pictures taken. I hope they patch you up nicely and the driver has his Uber insurance go through the roof (it’s apparently expensive at the best of times).

Can we call you Štybar from now on?

Re: Knocked off - tell me what I need to do
« Reply #72 on: September 22, 2016, 01:48:31 am »
Yes, £5-£10k dental costs have been mentioned. A couple of weeks back, I was CoI on a big grant with dentists. First thing I did on arrival was email colleagues and ask for help. A consultant came up to check what was being done, and I'm being put in touch with an adult reconstructive surgeon. No idea what he'll do different than usual implants.

However, that's all a way off. They want to try to stabilise the remaining teeth first, and the surgeon was concerned that the upper jaw was fractured. I will have the splint for a month. In good news...

1) tracked down bike and mate retrieved. It's a write off, but it's nice to know it's safe.
2) got OIC name and badge, plus incident number. Neighbour is a PC, and is helping me stay on top of that - hoping for driving without due care and attention.
3) emailed Slater Gordon
4) got 200 tablets of codeine from GP
5) arranged physio to look me over.
6) bought nutribullet < can't eat solids

Not bad for someone who's not left his bed. Trying not to think about how long it's all going to take to fix my teeth. Focused on getting my costs all sorted and thinking about quite how nice a replacement bike I might get.

Ankles, hands and neck are all too tweaked to zwift yet. To be honest, the hardest bit is seeing my wife and kids reacting to the state of my face. It scares my boys, and it's made my wife nearly faint twice. I've asked her to write all this down.

simonp

  • Omnomnomnipotent.
Re: Knocked off - tell me what I need to do
« Reply #73 on: September 22, 2016, 02:49:55 am »
Somewhat amazed that you're thinking about the turbo already.

You might want to consider something like Huel or other meal replacement drinks.

TimC

  • Bike pilot
Re: Knocked off - tell me what I need to do
« Reply #74 on: September 22, 2016, 06:07:55 am »
Another with no advice, but huge best wishes and GWS! I hope S&G do the biz for you.