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  • Firstly, seek some medical advice. If you're not entirely sure, there's a risk of concussion as well as other injuries that may not be immediately apparent.

    Are you fucked? Probably.

    Unless there's a reasonable case that the driver is at fault through erratic, careless or reckless driving then you're pretty much on the hook for any damage caused by the collision.

    Are you a member of any cycling organisation such as British Cycling, London Cycling Campaign etc? If so, there's a possibility that you have some form of insurance that could help you. The same may be true if you have home insurance or any other insurance although the benefits diminish the further the remove from cycling. As a last resort a current account or credit card may offer some form of insurance or access to legal advice. Check your bank's website for this.
    Failing any of this, contact the LCC, local legal surgery or Citizens Advice Bureau for support and advice on where you might be able to get help and to protect yourself from being unduly penalised for the damage caused.

    There is also advice and information in the "what to do in case of an accident thread." Even if you're culpable for causing damage, I would suggest making contact with the police to see if this needs to be reported (unlikely unless the other party is injured and wants to take legal action) and the driver's insurance to see what their procedures are (a bit of a sneak to make sure that the driver doesn't just get a very expensive repair and hold you up for it).

    However, to reiterate what I said first, take care of your own health first and seek medical attention as a matter of priority.

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