- What Is a Bicycle Injury Claim? A bicycle injury claim is a legal request for compensation by a cyclist who has been injured in an accident caused by another party. It covers physical injuries, damage to the bicycle, and any financial losses resulting from the incident.
- When Can You Make a Bicycle Injury Claim? You can make a claim if:
- The accident happened in the last three years
- You suffered an injury or loss due to someone else’s fault
- The accident involved a vehicle, pedestrian, poorly maintained road, or faulty bike component
- Common Causes of Bicycle Accidents
- Motorists failing to give way or observe cyclists
- Opening car doors into a cyclist’s path
- Unsafe overtaking
- Poor road conditions (e.g. potholes, debris)
- Defective bicycle parts
- Lack of proper cycle lanes or signage
- Types of Bicycle Injuries
- Fractures and broken bones
- Head injuries and concussion
- Soft tissue damage (bruising, sprains)
- Dental injuries
- Spinal injuries
- Road rash and lacerations
- Psychological injuries such as PTSD or anxiety
- What to Do After a Cycling Accident
- Seek medical treatment immediately
- Report the incident to the police (especially if a vehicle is involved)
- Take photographs of the accident scene, injuries, and bike damage
- Get contact details from any witnesses
- Keep receipts for medical costs and bike repairs
- Contact a solicitor to start your claim
- What Compensation Can You Claim? A bicycle injury claim can include:
- General damages: For pain, suffering, and loss of enjoyment of life
- Special damages: Covering financial losses such as:
- Medical treatment and rehabilitation
- Lost income or inability to work
- Travel expenses for treatment
- Bike repair or replacement
- Costs for psychological support or care
- Can You Make a No Win No Fee Claim? Yes. Many personal injury solicitors offer no win no fee services, meaning:
- You don’t pay any legal fees upfront
- You only pay if your claim is successful
- A success fee (typically up to 25%) is deducted from your compensation
- After-the-Event (ATE) insurance may protect you from paying the other side’s costs if your claim fails
- Time Limit for Filing a Bicycle Injury Claim You usually have three years from:
- The date of the accident, or
- The date you realised your injury was linked to the accident
- What If the Driver Was Uninsured or Fled the Scene? You can still make a claim through the Motor Insurers’ Bureau (MIB). The MIB compensates cyclists injured by uninsured or untraceable drivers.
- Can You Claim for Psychological Injuries?
Yes. Trauma from a cycling accident can have lasting mental effects. Compensation may be awarded for:
- PTSD
- Anxiety
- Depression
- Driving or riding phobias
A medical diagnosis and psychological evaluation are usually required.
- Do You Need to Wear a Helmet to Make a Claim?
While helmet use is not legally required, not wearing one may reduce your compensation if it contributed to your injuries. You can still make a claim, but your solicitor will advise how it may affect the outcome.
- Do Bicycle Accident Claims Go to Court?
Most claims are settled out of court. Your solicitor will negotiate with the insurer for a fair settlement. Court is only necessary if liability is denied or a reasonable settlement can’t be reached.
- What Evidence Supports Your Claim?
- Medical reports and treatment records
- Police report (if applicable)
- Photos of injuries, the accident scene, and bike damage
- Witness statements
- Repair invoices or replacement quotes
- Proof of financial losses
- How Much Compensation Could You Receive?
- Minor injuries: £1,000 – £5,000
- Moderate injuries: £5,000 – £25,000
- Serious injuries: £25,000 to £100,000+
The amount depends on injury severity, recovery time, financial losses, and long-term impact.
- How Long Does a Bicycle Injury Claim Take?
- Straightforward cases: 3–6 months
- Complex cases: 6–18 months or more
The timeline depends on evidence collection, medical evaluations, and whether the other party accepts responsibility.
Frequently Asked Questions
- Can I still claim if I was partly at fault?
Yes. Your compensation may be reduced based on your share of responsibility, but you can still claim. - Do I need a solicitor to make a bicycle injury claim?
Not legally, but using a solicitor increases your chance of success and a higher payout. - Can I claim for bike damage only?
Yes, you can claim for repair or replacement of your bike even if you weren’t injured. - What if I was hit while riding at night?
You can still claim, but lighting, visibility, and clothing may be considered in assessing liability. - Is compensation taxable?
No. Personal injury compensation is generally not subject to tax in the UK. - Can I claim for lost future earnings?
Yes, if your injuries impact your ability to work in the long term.
Conclusion
Making a bicycle injury claim can help you recover not just physically, but financially and emotionally. With a no win no fee solicitor, you can pursue your case without financial risk. Whether the accident was caused by a motorist, road hazard, or faulty bike part, you have legal rights and the ability to seek justice and compensation for your losses.