Jerk Driver Messes Up Bicyclist, Gets Hit Back In The Wallet

Author image for Eric Lund
Eric Lund
Aug 21, 2019 1:00 AM EDT

If there's any lesson to be learned by all parties here, it's that it's a good idea to have insurance. Another one would be to not falsify your own insurance documents. Another thing might be, don't tell the person you hit with your car to go to the police while screaming that they'll never get a penny out of you. Not only is it a bad look, it kind of sours the relationship. Sometimes people go all out for revenge.

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  • 01
    Text - r/MaliciousCompliance Posted by u/emaren 11 hours ago S Talk to the police if you want to, you will never get a penny from us. oc XL Five years ago, I was hit by a car while riding my bicycle
    via emaren
  • 02
    Text - The 'driver' turned across the front of me, pretty much into me and I had absolutely nowhere to go. I hit the passenger door of the car then tumbled over the front of the car, still clipped in to my pedals, taking it with me! The car was pretty damaged, I dented the door scratched the paint in many places, ripped the door mirror off, smashed the glass, cracked the windscreen (windshield) and dented scratched the bonnet (hood) My bicycle emerged fairly well (I think I broke its fall mostly
    via emaren
  • 03
    Text - I broke my collarbone and lost a lot of skin in various places that hit the road, I trashed my helmet and my shorts too. The driver said 'Sorry mate, I did not see you'. Which was pretty obvious. The car was his daughters, and he was taking his grandson out for an ice cream (the poor little boy got covered in glass from the door window that exploded inwards when I hit it, but seemed to be ОК.
    via emaren
  • 04
    Text - The 'driver' gave me his phone number and I took a photo of his driving licence and insurance details along with a pile of photos at the scene. I crucially I got the details of two witnesses too before I passed out from the pain. This all happened on a Friday. I got patched up at the hospital and my partner was able to get my bike home. Because of my broken collarbone, I was in a huge amount of pain while the doctors could figure out if it needed to be pinned or not, over the weekend.
    via emaren
  • 05
    Text - On the Saturday morning I called the driver and his phone went straight to voicemail. I had taken a good look at my bike and figured out it needed about £350 worth of parts (wheel, forks, saddle, new bar tape etc) and something for my cracked phone screen (I guessed £150). On the message I left him I said that I was not sure if he wanted to pay for the parts, or go through his insurance.
    via emaren
  • 06
    Text - His Daughter called me back and shouted and swore at me for damaging her car. I explained that he has turned across the front of me and it was his poor driving to blame I mention that I was sitting on my sofa with a broken collarbone as a result of him and all I wanted was to get my bike fixed.
    via emaren
  • 07
    Text - 'You will never get a penny from me, talk to the police if you want to, we will tell them that it was not my car, you will never get a penny from us... OK - I can comply with that.... I called the local police station and they sent a constable down to see me. I carefully explained what had happened and showed him the photos from the scene, the damage to my bicycle, phone, helmet and shorts, gave him the details of the witness and several cups of tea and he advised me to get a solicitor on
    via emaren
  • 08
    Text - My bicycle insurance has legal aid cover, so I used it... Long story short, I had three surgeries on my shoulder over the next 18 months or so, the insurance details that the driver gave me was fake. The daughters insurance company did not cover her father as a driver. The driver had six points on his licence already, but crucially the police found he had insurance with a company that did cover him on her car, but only for 3rd party cover. He only admitted this when they threatened to cha
    via emaren
  • 09
    Text - The Police eventually convicted him and gave him enough points to ban him from driving for a year and fined him £1500 costs. The insurance company that he was with was one of these 'we only cover really bad drivers', obviously did not pay out for the damage to the car - this was probably another £1500 or more.
    via emaren
  • 10
    Text - The insurance company paid for my bicycle damage - £550 once assessed by a local shop They also paid for my clothing and helmet - £200 And my phone screen £180 Then finally the insurance company paid compensation for my injuries and time off etc £nn,nnn.
    via emaren
  • 11
    Text - I would have been quite happy for them to pay for my initial assessment of my bicycle and phone damage, but as they wanted to make my life difficult, it cost them thousands, got the driver banned and the resulting compensation was a massive bonus for my savings account.
    via emaren

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insurance bicycle accident car crash cyclist driver jerk story money
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