UNDERSTANDING THE CLAIMS TIMELINE

Every cycling accident claim is different, and timelines can vary depending on the complexity of the case, the severity of injuries, and how quickly the third party responds. However, the core process follows a consistent structure. Here is what to expect:

Stage 1: Pre-Action Protocol

Before any formal legal action, both sides follow the Pre-Action Protocol for Personal Injury Claims — a set of rules that govern how claims are managed in the UK. This involves formally notifying the defendant, sharing evidence, and attempting to reach a settlement without going to court.

Stage 2: Liability Investigation

The third party’s insurer will investigate the accident and either admit or deny liability. If liability is admitted early, the process moves more quickly. If denied, further evidence may be required, and the dispute may need to be escalated.

Stage 3: Medical Assessment

An independent medical expert assesses your injuries and produces a medical report. This report is central to calculating your general damages — compensation for pain, suffering, and loss of amenity. My Cycle Claim arranges this assessment on your behalf.

Stage 4: Negotiation

Using the medical report and evidence of your financial losses, our team negotiates a fair settlement with the defendant’s insurer. We always aim to achieve the maximum possible outcome for you.

Stage 5: Settlement

Once both parties agree on a figure, your compensation is paid. Most straightforward cycling accident claims are resolved within a few months. More complex cases involving serious injuries may take longer.