Cycling accidents & insurance

Cyclists at risk on the roads in more ways than one

Cycling is becoming more popular year on year both as an excellent form of exercise and a way of cutting costs in these difficult times.

With increased popularity of cycling, particularly in busy urban roads, this unfortunately results in more accidents, and this is borne out by figures from the Department for Transport figures which show accidents involving cyclists increasing 12% during the first half of 2011 to around 2,600 accidents a year.

Aside from the fact these accidents are often serious bearing in mind the exposed nature of cycling, there are other hidden risks as follows :-

  • What happens if you suffer an injury and the other driver is uninsured ?
  • Does your home insurance policy cover an injury or damage to your banks ?
  • Insurance for accidents while riding a bike is not compulsory – what if the other party is injured, you are cycling and the accident was your fault ?

Thankfully, there are specialist insurance policies available for cyclists, and these are relatively inexpensive, costing, on average, around £40.00 per annum for third party cover which covers the other common risk of a bicycle being stolen or damaged.

Negligence – the legal basics

NEGLIGENCE

Negligence is  conduct which falls below the reasonable standard of behaviour established by law. A person has acted negligently if he fails to exercise the care that a reasonably prudent person would exercise under similar circumstances. The idea behind imposing liability on persons for negligence is that people should exercise reasonable care, whenever they do (or don’t do) something by taking into account the potential harm that they might forseeably cause to other people or property around them.

To prove negligence you must be able to demonstrate the following:

  • Firstly you must show that one person owes a duty of care towards another person. The nature of that duty depends upon the relationship between the parties. Typically most people owe an ordinary duty of care toward another people (for example when you put on your car a bike rack with a bike you will owe a duty of care to all other people that you will fit the bike rack and the bike securely). However the law can impose a different standard of duty of care on different individuals. For example professional people are considered by law as experts in their field of expertise and practice area and therefore have imposed on them a higher degree of duty of care. A child is considered immature and imposed a lower degree of duty of care towards another person.
  • Secondly it must be shown that there was a breach of that duty of care. In other words someone failed to do what they should have done under the circumstances in the light of the type of duty of care owed in that circumstance i.e if you own a shop and allow the floor to be wet, you ought to foresee that someone may slip on that wet floor.
  • Thirdly, it must be shown that the breach of the standard of care was the direct legal cause of the damage suffered or injury sustained. This means that the injury was the foreseeable consequence of a breach of duty of care.
  • Lastly, damages must have been resulted from all of the above.

Defences to negligence claim

There are several full or partial defences available to negligence which include :

  • That there was no negligence
  • That the damage caused was not foreseeable
  • That the damage did not directly cause the loss
  • That there has been no loss
  • If the defendant can show that there is a voluntary assumption of risk of harm by the claimant to the defendant then the claimant will not recover any damages.
  • If the defendant can show that the claimant has suffered injury partly due to his, her or its own negligent act than the claimant would be liable for contributory negligence and will not be awarded full damages.

Example of negligence

Mr Roberts is the owner and manager of a sports equipment shop. He’s in business for 10 years and has spacious premises with friendly and experienced sales executives. The sports shop has an amazing interior and been situated in the heart of the city. Every evening for 10 years, Roberts has had his cleaning team carry out cleaning of floors and removing dust from the premises after the shop closed.

Before carrying out cleaning, the cleaning team member always put up yellow warning sign boards indicating “wet floors” at each of the entrances of the sales floor. The cleaning team also ensured that the front door is locked so that no customer would enter the shop when the floor is wet. In last 10 years, a few members of the public have entered the shop but none had ever slipped or injured themselves due to the wet floor.

Roberts has recently employed several new customer service assistants including Greg in his sports shop. One evening, the cleaning team forget to put out the warning signs about the wet floor as they thought that the main shop doors were locked. Greg was just leaving after his day shift and was not aware of the wet floor. Greg fell on the wet floor and broke his leg.

In this example, it is very clear that Mr Roberts was liable for negligence. Firstly Mr Roberts owes a duty of care to Greg to make sure his working premises are safe. This duty of care is established by law as they had an employer-employee relationship.

 

Secondly Mr Roberts breached the duty of care as any reasonable employer in his place would explain to all new employees including Greg about the cleaning activities in the shop and ensuring that the cleaning team displays warning signs about wet floors. Thus Mr Roberts did not take all precautionary steps that a reasonable and prudent employer and manager would have taken.

Thirdly it is foreseeable that Greg’s injuries would result from his slipping on a wet floor. The direct reason for his injury is wet floor.

Finally Greg suffered a broken leg to which he is entitled to be compensated for in the form of damages. Any losses Greg has suffered as result of the fall (eg taxi fares, loss of work, pain and suffering, hospital fees etc) can be claimed from Mr Roberts.

Claims farming – the scandal goes on

Claims farming – the scandal continues

There is a massive, illegal and outsourced market in selling British mobile telephone numbers for the purpose of sending unsolicited text messages about personal injury claims and possibly other hard sell services. Much of this trade in data is now occurring via India, firstly because it is extremely cheap and secondly, also likely so that anyone accused of wrongdoing in this country may try to argue that they did not know that the data was wrongfully obtained.

Apparently, the data tends to be resold several times via brokers before it reaches accident companies and then lawyers. Each set of brokers marks up the data and by the time a potential claim reaches lawyers, the “referral” can end up costing up to £500.00 per claim. This in turn ultimately feeds through to higher costs in lawyers fees, often paid by insurers and higher insurance premiums for everyone.

The Sunday Telegraph recently investigated the outsourced trade. A company in India, RouteSMS,  advised it’s investigators that he could supply a thousand numbers for just £3,00 and that texts could be sent from India as part of the service.

Whilst controversy has recently surrounded the personal injury claims market there have also been many claims of leakage of customer details from call centres in India relating to bank information, utilities and such like.

Returning to the personal i jury market, the Sunday Telegraph claims that the Accident Advice Helpline may be raking in £12 million a year principally from selling data.

Part of the problem for lawyers in all of the above is that personal injury lawyers are often seen as the ultimate bad guys in all of this. Whilst not blameless perhaps, the industry in data trade is a widespread problem and not confined in any way to lawyers, most of whom are also constrained by both budget and ethics in trying to compete properly for work via traditional marketing.

Driving tests – beware

Accidents during driving tests

Freedom of Information requests are regularly producing fascinating and previously unknown facts and the below are no exception. Did you know that ….

  • Over 300 learner drivers and examiners suffered an injury whilst on driving tests in Britain last year.
  • 147 injuries were recorded requiring hospital treatment and 192 were categorised as minor
  • The injuries included at least 5 physical attacks on driving test examiners and over 200 instances of severe verbal abuse
  • During driving tests, more than 1,000,000 instances were recorded of dangerous driving or serious fail faults.
  • The most common issues observed of bad driving during tests include practice at junctions and failure to use mirrors properly
  • Of over 1.5 million driving tests last year, there was a pass rate of just over 46%.

A funny yet no so funny employment tribunal case

David Brent seen in Employment Tribunal ?

Whilst not that uncommon, few cases disclosing the underlying evidence of complete ignorance of employment law get reported. In a case reminiscent of the totally crass behaviour of a “David Brent” character, a defendant employer admitted in the Tribunal that he regularly swore and abused his employees, but considered this to be only “banter”, even when he admitted telling the claimant she was “fucking useless”.

The Employment Tribunal not only decided that the Claimant former employee had every right to consider that she had been constructively dismissed on the facts of this case, due to this ongoing behaviour, but also the panel had in mind it’s own character, rather than my David Brent. The Tribunal stated that the defendants’ behaviour reminded them of Sid James in the classic Carry On films ! I am old enough to remember those films regrettably !