Right all you insurance officianado's and legal eagles I am in need of a little bit of advice.
I decided to venture out weekend before last and meet up with grumpyoldgit and rockoz for a cuppa and a natter and had a bit of a knock on the way to the meet.
The scenario goes like this, I come of the dual carriageway up the slip road to find a congested junction at the lights due to the traffic lights packing up. I eventually get to the front behind a car and we are crawling forward to the white line. There is a van parked on the flyover obscuring the view of the bridge over the dual carriageway and everyone is craning their necks to see round it to see if the road is clear. The car in front starts to pull away and moves off as do I moving up to the white line,a quick check right,nothing coming,and I pull away following the car in front who is about 6-8 foot away,another look right just to make sure and BANG!,the bugger in front has slammed his anchors on! I was thrown forward a bit and bent my thumb back against the handlebar and the bike stalls,the car in front not moved a bit still stopped in the middle of the moving traffic.
I start the bike and move over to my left across the two left hand lanes to the kerb edge and I motion for him to follow as he has moved forward to allow the following traffic to pass behind and around him,then he pulls over in front of me and gets out.
Now I'm in agony,my right thumb feels like it's been snapped off so I'm hopping about a bit like a lemon while he inspects the back of his car. We have a brief conversation,mainly me asking what the hell he was doing just stopping dead on a clear road and he says he thought he's seen something coming but is ok and the car looks undamaged apart from a large-ish black tyre mark on his bumper,and asks if the bike is ok? A quick inspection reveals nothing damaged, we were only travelling at walking pace and I had only travelled 6 foot from the white line after all,so he says as long as I'm all right he thinks the mark should polish out and no need to report it. I offer to give my contact details if he wishes and he says as long as I'm alright and he's alright he's happy so if we're both happy he's happy to leave it at that,and he jumps back in his car and is off. I remain for about another 10 minutes or so as I'm trying to get some mobility to my thumb and then I'm off to meet the chaps.
Now the bit I need some advice on. I got home from work today to find a letter from the police notifying me of intended prosecution. The date is the day of the incident and the time but no details of anything other than they crossed out various reasons for the prosecution leaving only driving dangerously,without due care and attention and without reasonable consideration for other persons using the road/public place. If he bothered to write my registration down why not take my contact details? It just seems wrong to me.
I rang the police and was told the driver had gone to the police a couple of days later and reported me,they couldn't give me any more details but said I should send the form back confirming who the rider was and a covering letter of what happened. I then had to ring the insurance company as he might be making a claim and the underwriters had not notified me yet.I spent over an hour on the phone to the broker,then the reporting dept, then the claims dept and finally the legal dept,what a palaver!!
What I need to know is can he do this? do I stand a chance? is the no claims now history and what action I can take to find out more details or am I just at the mercy of the insurance/police bureaucracy?
Quite frankly I'm at a loss with this one,why didn't he just take my details at the scene? why sneak off to the police the next day or two later?
There is no damage whatsoever to the bike,the wheel or tyre and he had a black mark the size of a couple of hand prints on his silver bumper there was no structural damage,no cracks or breakages at all.
Can anyone offer any advice? All welcome as long as it's not get the bus........