Yep...straight to your insurance company...have no dialogue with the people at all...
Say nothing and leave it all the the insurance companies..
Cheers
Dave.
So true.
btw, speed of the bike cannot be proved therefore its negligent factor in this. However you may want to fight that they shouldn't have been on the pavement. But you will need your own lawyer for this, I doubt the PL insurance would actually bother to fight it, its easier to pay the £500 in their eyes.
So if you want to fight it.. ask your PL insurance to deal but only if they are willing to fight and not pay out straight off - other wise you will need to hire your own lawyer to fight this.
I can see this being a 50/50 split either way. she should not have been on the path, and i suspect there will be something against the hose across the pavement, regardless of a single sign. If it does go to court expect court costs to pay unless you win outright.
Im surprised they haven't claimed for personal damages (physical) and subsequent physiological damages too
I also agree with Mal gold, she needs to mitigate her losses, just because you bend a wheel doesn't mean its totally broken, how much would it be to fix, or replace the damaged section of the bike? If a new bike is needed, then she is getting betterment! A brand new bike for an old one which is half the value! same as the phone...
plenty to fight for, but then again it is just £500 - your better off asking your PL insurance to deal and you will pay them back so it doesn;t affect your premiums too heavily and still have no claims.
Good luck, may this be a lesson to us all. I did think there would be a case of claiming from hoses being laid out over pavements.. perhaps time to close a section whilst your working - stupid but necessary from this..LOL