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Is that true?
He said he didn't have insurance, I asked "not even under your home"? He said no.
I've had cover under my home insurance for along time now specifically for this type of scenario when I was commuting by bicycle in London.
I've submitted a police form and on hold to my insurers to notify them.
Still a bit shaken up, as he ran full pelt into my side so I never even saw it coming. Guess it's just good he wasn't a bit faster and I wasn't a car otherwise it would have been really awful.
But surely if you cause damage to someone you are liable?
hugo7
skinny
You can only claim against them if they've 3rd party liability.
You need to ask them nicely for their insurance details. You can't get them to give you the details, but ask nice. Then give their details to your solicitor and submit a claim.
Home insurance often includes 3rd part liability. Ask for that if they don't have cycle specific 3rd party (ie. british cycling)