In December 2012 I was unfortunately
involved in an accident where I was knocked of my bike by a young lady who pulled
out in front of me on a small round about.
My bike was a total right off and I spend
9 hours on a spinal board in the A&E, 7 weeks with a head brace on, unable
to move my head and neck. I still
require further surgery but are currently on the NHS waiting list for this to
I want to advise MCN readers of the Insurance
nightmare that has happen since, I have a classic bike policy that was to cover
3 bikes and this was a tailored policy for Classic Bikes including legal cover,
so that you had one point of contact if you have an accident or need to use
What happen was when I reported the
accident to my insurance company was told that I had Legal cover and would be
entitled to private medical treatment so that my injuries would be taken care
of as quickly as possible.
I was then referred to AIM to be my one
point of contact and who would take care of everything and advise me of the
best cause of actions. I contact AIM who then told me I was not covered so I went
back to the insurance company, who insisted that I was covered. They also told
me that I could find a local solicitor who could help with my claim through
I went and found a local solicitor who
also contact AIM who were again told I was not covered but both the policy and insurance
company confirmed that I did have cover.
The Insurance Company have insisted that I am covered and have said that
they have emailed AIM on a number of occasion but have never had a reply. The
solicitor also confirmed that private medical treatment for my injuries would
not be cover by my insurance or any claim I made against the young lady.
I have had to ask the solicitor at act on
my behalf without going through AIM and may end up with a bill for legal
services that I should not have to pay.
We are now 7 months further on and my
medical treatment and legal claims are both still on-going, which has meant that
I can't ride by bikes or partake in any of my hobbies whist the young lady
involved has been sent on accident perception course at a cost of £145 but has
received no points on her license or fine.
I would advise all MCN readers to check
carefully and do as much investigation into their insurance policies, what is
and is not covered before taking them out or before they need to use them as
this has been more stressfully than the accident its self.