26 September 2014

Traffic accident (but no collision) - cyclist recovers £10,000.00


If the driver caused your fall he is liable.

A car pulled out of the petrol station straight into the path of Rory’s push bike.  In performing an emergency brake, Rory went over his handlebars and as he attempted to break his fall on the road,  he suffered undisplaced fractures of both wrists and damage to one front tooth which developed crazing of the enamel. He also suffered a permanent cosmetic scar on his calf.

Ironically,  Rory’s quick reactions saved the car from sustaining any impact damage.  This was repaid by the car driver pointing out to passers by,  who had stopped to help,  that his car was unmarked and that Rory must have just fallen off the bike through his own fault (cyclists do these things,  you know!).

Although the garage had no CCTV cameras facing the road, (we went along to investigate),  a helpful motorist who had given his details to Rory,  provided a very clear witness statement** which put the blame squarely on the driver,  whose insurers took a more sensible attitude than he had.   They did not dispute liability and Rory recovered £10,000 for his injuries,  including his out-of-pocket losses and the cost of a new porcelain veneer for his tooth.  
(Our client’s name has been changed).

**Guidance: If you are ever in a road traffic accident always try to get the name and address of any witnesses, or ask some else to do so if you are not able because of your injuries.

23 July 2014

Over £12,500.00 recovered for injured cycle courier

Our client Jim ( name changed) was knocked off his bike in The City by a black cab in January 2014.

Liability was admitted. Jim suffered a serious injury to his right shoulder and was not able to work as a courier for about 10 weeks. He had only a small  amount of savings to live on.

Before Jim had had time to speak to us,  the cabbie's insurers- Haven Insurance- offered £2000 to settle his claim. This is how they put it to him:-

     "We offer you the opportunity to settle your claim with us directly in the sum of £2000. Traditionally, this is done by seeking the services of a solicitor; however we offer a service that is very much similar to that offered by a solicitor. What we offer to you directly is the option to conclude your injury claim without the need for further inconvenience".

Given that Haven represent no one but the interests of their shareholders and policyholders, it is disgraceful that they suggest to accident victims that they provide a service similar in any way to an independent solicitor,  who will only be concerned to represent the interests of his client.

After we were instructed to act for Jim the insurer's next gambit was to make an offer of  £6750.00 before we had any medical evidence about the extent of the injuries and  any disability. This caused Jim anxiety because if he rejected the offer and  failed to beat it at a later trial he would be penalised in costs. Fortunately we were able to arrange a medical report quickly and on that basis valued the claim at over £15,000.00.

After hard negotiation Jim decided to accept an offer of over £12,750: six times the original offer from Haven.

Insurance companies work on the basis that a good percentage of accident victims will accept the first offer made and before they have sought legal advice. Don't be tempted;  you are likely to be accepting a grossly inadequate settlement which you will come to regret.

Consult an experienced solicitor. Don't let insurers treat you like a fool!

23 April 2014

Cyclist Hits Pothole Outside Battleship Building, Harrow

On 6 November 2012 David (name changed) an experienced cycle courier was halfway through his workday of deliveries around London, and looking for the safest route to the Battleship Building on the Harrow Road.

 As he approached the building at around 1:30pm, David’s attention was distracted by the traffic and confusing roads under the A404 overpass. Unbeknownst to him, David was approaching two potholes at a speed of about 15 mph. As his front wheel clipped the potholes, he lost his balance and crashed to the tarmac .

 David suffered a broken wrist, multiple soft tissue injuries and lacerations. He was unable to continue his job as a courier, greatly affecting his family’s income.

 He instructed Dowse & Co. in the knowledge that we had acted for many other pothole victims.

After reviewing the case, we determined that Westminster Council was responsible for the highway directly under the A404 overpass. Council highway authorities are under a statutory duty to maintain public highways to a safe and reasonable standard. Had the highway authority maintained this road, David would have been in good health and not out of work for many months.

The defence

As with many pothole cases, Westminster Council rested its defence on the grounds that they inspected roads in the borough on a regular basis ( monthly in this case). The Council provided detailed inspection records. But they made a critical error. They claimed that anything over 55 millimeters deep would be deemed a defective pothole thus requiring repairs.

We were able to research this topic and provided evidence that under the borough’s Highways Maintenance Management Plan published in 2005, a defective pothole must be deeper than 22 millimeters to require fixing. Based on David’s photographs provided from the scene of the accident, the two potholes in question were clearly deeper than 22 millimetres.

Further, we were able to demonstrate that the council inspectors failed to identify the potholes on two visits in late November and  December, in other words after the accident, and the implication was therefore that they had also missed the potholes in October 2012, before the accident. So, while the policy was in line with a decent statutory defence the implementation was not, proving fatal to any defence, in our view.

The council at no time admitted fault and court proceedings were commenced on 5 November 2013, on behalf of David, and after we had endeavored to settle the claim in October.

In January 2014 the defendant made an acceptable offer in line with our valuation. Our client recovered £6,800 damages.

Pothole cases are often aggressively defended by local authorities and a high proportion require the claimant to issue court proceedings before any settlement is possible. In such circumstances you need experienced and expert legal advice on the merits of your case to be confident about pursuing a claim successfully.

We firmly contend that  holding highway authorities accountable for potholes  over time contributes to the  safety of all road users in improved practice and maintenance.  


Joshua O’Connor, Dowse & Co.- April 2014


26 March 2014

Potholes in the UK and Cyclists: some advice

Every cyclist hits a pothole on the road sometime.

If cycling on the public highway in the UK,  all local authorities have a statutory responsibility to maintain and repair the road such that it is reasonably safe for expected traffic. 

If you are injured or your bike is damaged, the starting point is to determine if the pothole is a  foreseeable danger to cyclists. There are no rules about what size pothole qualifies but a court will have to be convinced that it was dangerous enough to cause an accident  in the particular circumstances and with regard to the road user: for example,  gaps around a drain cover can be a real danger to cyclists but not to a motorist.  

Potholes are a menace for bikes
Local authorities can defeat pothole claims by demonstrating that they have a robust inspection, repair and maintenance programme in place. So, although a pothole may have caused an accident if the council had acted reasonably to maintain the road, despite the accident, the claim will fail.

Compensation can be reduced for contributory fault if the court finds that a cyclists wasn’t paying enough attention to the road ahead ( and ironically, the larger the hole the more likely that a council can run a successful argument),   or if the pothole was on a familiar route, or near the cyclist’s home. All road users are expected to take reasonable care of their own safety, and that includes keeping a look out on the road ahead. 

Make sure you take photos of the pothole and note its precise location. If there were witnesses take their details. Don't delay in seeking medical attention and tell your doctor about the accident.
At Dowse & Co we have a track record of vigorously pursuing pothole claims and have won many cases contested hard by local authorities. 

Call Patrick Spence with any queries on 0207 254 6205.

19 February 2014


What legal remedy does a cyclist have where they are the victim of a hit and run accident?

Such incidents are all too common in London.   Recent figures from the Metropolitan Police suggest that about 15 cyclists a week are killed or injured as a result of a hit and run.  Cyclists account for about 20% of casualties arising from hit and runs,  even though they account for only about 2% of journeys made on our roads.  

Untraced Driver’s Agreement

If you are the victim of a hit and run,  and suffer injury,  you can make an application for compensation under the Untraced Drivers Agreement (“UDA”) to the Motor Insurers Bureau (“MIB”).   Obviously, you can only make a claim where the driver responsible cannot be identified.

To succeed in such a claim, it is essential that the incident is reported to the police and that you have a crime reference number,  or some other form of acknowledgment from the police.

Under the Agreement you must report the incident  within 14 days of its occurrence (or not later than 5 days where you are also claiming property damages).   The time limits can only be extended where it was not reasonably possible to meet them.

If you are in doubt about whether you may want to make a claim you should at least protect your position by reporting to the police which will enable them to undertake any investigation that might lead to the driver being traced and if need be prosecuted.

The MIB, if they accept the claim,  will commission a medical report before making an offer of compensation. There is an appeal process if the offer made is unacceptable.

The MIB will make a contribution to the cyclist’s legal costs where they have had professional advice in making the application,  reviewing the correctness of the decision,  and advice about the adequacy of the award,  including drafting an appeal if necessary. So its worth seeking legal advice before you try to claim yourself, unless you are confident you can master the claim procedure

 Call Patrick Spence on 020 7254 6205 or e-mail ps@dowse.co.uk if you have any further queries about hit and run claims,  or if you need assistance in pursuing such an application.

23 January 2014

Cost budget variations: this is not going to end well.

Our senior litigator Myles Hickey has published this letter in the Law Gazette highlighting the negative affects new budget rules will have on the management of claims if courts go by the book:-

DJ Lethem's informed commentary (Variation of budgets - part 1 LSG 18.11.2013) reveals the problem caused by CPR PD3E paragraph 2.4. The court may only approve prospective budget variations. So if the litigator has responded to developments in the case to keep it moving before getting those steps approved, he or she would have to hope for a pragmatic and liberal interpretation of CPR 3.18 on detailed assessment at the end of the case (no departure from an approved or agreed budget "unless satisfied that there is good reason to do so"). As Christopher Lethem notes, such a calculated breach of the budget is a strategy fraught with danger. As a member of the CPRC, he should know.

He develops this in part 2 of his article (LSG 25.11.2013) with the observation that in the post Jackson costs regime, where proportionality trumps reasonableness, it is likely that standard basis assessment will reduce recoverable costs, so only the brave will seek detailed assessment.

Therefore litigators have no realistic alternative to seeking prospective budget variations once the budget is in danger of being exceeded. And they are then faced with the task of showing the variation is warranted through significant developments in the case, rather than oversight (or perhaps optimism that the opponent would cooperate) and all against the elegant and  unpredictable yardstick of “proportionality”. This PD seems to me a recipe for slowing down litigation,  snarling up court lists with applications and denying effective access to justice for those with cases with low or moderate multi-track value.
There is raucous approval in some commentary on the Jackson reforms by judges (though not this one) and defendant costs lawyers at the new powers of the courts to strip out costs. There is much talk of "robust" approaches. What it means in fact is that paying parties are likely to get a windfall, thoroughly undeserved, through the new provisions if they are not applied intelligently. As others have noted, this is an unfair and regressive outcome of changes which surely could not have been intended. The way to ensure justice on costs budgeting is for courts to adopt a low threshold for approving proposed budget variations and tackle paying parties’ objections “robustly”.  Otherwise the “costs wars” of the past 20 or so years will seem like playground games by comparison.


Myles Hickey

7 January 2014

Car Passengers and the duty to cyclists

Paragraph 239 of the Highway Code imposes a duty upon drivers before they or their passenger(s) open a door, to make sure that it will not hit anyone passing on the road or pavement,  or force them to swerve.  They have a duty particularly to watch out for pedestrians, cyclists and motor cyclists.

Greta, a young, fit and experienced cyclist was knocked off her bike at night by an offside passenger who did not check before opening the door into her path. Greta’s bike was properly lit.  Greta struck the car door side on, and suffered spiral fractures to the metacarpals of two fingers on her left hand, which was trapped between her handlebar and the door.  She also had some small scarring to her face where she struck the floor.

The Police were uninterested in pursuing the passenger for a breach of her duties to Greta.   However,  failure by the Police to act is not by any means fatal to pursuing a successful civil claim.  A person will not be convicted unless they are believed to be guilty beyond reasonable doubt.  Civil claims are proved “on the balance of probabilities” which means “more likely than not”.  A claim was therefore made against the driver,  who was insured.   Insurers will normally deal with the liability of their insured’s passengers in these circumstances.

Although the passenger had been pretty unhelpful to Greta and had assumed that Police disinterest meant that she would face no further claims, her insurers took a more realistic attitude.   They did not allege that Greta had been cycling too close to the vehicle.   They did raise the absence of a cycling helmet as contributing to the facial injury Greta had suffered.

There were claims for loss of income (Greta had a number of casual jobs, paid in cash and proving loss was difficult).   They initially proposed a settlement figure of £10,000 but we persuaded them that a more realistic settlement would be £12,500. We made allowance for a possible argument about the absence of a cycle helmet contributing to the minor scar on her forehead.  (The law on cycle helmets is that the defendant has to show that the wearing of a helmet would have avoided or significantly reduced the chance of injury;  it is likely if they succeed in proving that,  the injured claimant’s compensation for that injury will be reduced by about 15%).

The insurers also paid Greta’s costs,  although under the new costs regime which the Government introduced last April,   Greta had to make a contribution.  The Government has fixed costs recoverable from the driver’s insurer at an unrealistically low rate,  which means that accident victims will commonly have to contribute to the cost of getting compensation.  Part of that cost is to pay the insurance premium for the policy taken out on all “No Win – No Fee” cases to protect the claimant against costs orders they may face.