12boy
Guru
- Location
- Casper WY USA
I don't know how insurance works in the UK but about a month after I bought a Fiji track bike and a brooks saddle for it I was hit by a driver who scraped the paint on the bike, scarred the saddle and cracked a couple of ribs. I called my insurance to ask how things worked (the driver was insured and they indicated a new saddle and a paint job on the bike was appropriate. His insurance had to cover my medical bills and replacement glasses since the ones in my back pack, although plastic lensed, were shattered. I also asked if there was payment for lost work and pain and suffering. Although my insurance was reluctant to say so, they indicated that around 8-9 thousand dollars was about what I could expect for the pain etc and when I asked for that the drivers insurance gave me that. I would have to wonder if things go that way in England. Perhaps it is worth looking into if you haven't already. I am glad your wife seems to be doing ok after what could have been a horrible outcome. Still, rib injuries really are very painful.