18-12-11, 09:51 PM
Sorry to be the bringer of bad news but I know someone who was involved in a very similar one but at higher speed coming from the A12 into London. We commuted on a pan for the summer that the firebrigade were calling short notice strikes. Loads of experience biking wise but mostily on tour so not too much commuting.
He got caught up in the fast filter culture of the A12 (easily done I was doing the same stupid 40+ mph stuff on the A406). A push bike wheel appeared from between two 4X4s and he had a major off wrecking the pan and the cars around him. He was held fully accountable because he was overtaking too fast to brake for what should have been an expected obstacle. In your case you were going much slower but if you couldn't stop - still too fast. The car drivers insurer will expect yours to pay - I appreciate the cyclist is at least partially to blame but with no insurance they will put it all down to you. - I'd expect the worst and if its different then celebrate.
He got caught up in the fast filter culture of the A12 (easily done I was doing the same stupid 40+ mph stuff on the A406). A push bike wheel appeared from between two 4X4s and he had a major off wrecking the pan and the cars around him. He was held fully accountable because he was overtaking too fast to brake for what should have been an expected obstacle. In your case you were going much slower but if you couldn't stop - still too fast. The car drivers insurer will expect yours to pay - I appreciate the cyclist is at least partially to blame but with no insurance they will put it all down to you. - I'd expect the worst and if its different then celebrate.