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  1. #1
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    my niece hit a cyclist (carbon rear wheel damage)

    apparently my niece in college hit a cyclist. she lives in tulsa. everyone is ok. my sister sent me the email from the cyclist. she wanted my opinion of the replacement cost. i basically told her to just pay it and count her blessings.

    thought this would be a fun thread to talk about the wheel and whatever else.

    .

    [cyclist's email to my sis is below, reduced as shown]

    GOOD News: Initial concern was that there was damage to the carbon frame... I took the bike to several shops where I know and trust the mechanics. Two independent shops [bike shop names] ... both have drawn the conclusion that the frame is ok... A new frame I believe is $3750 + tax.

    BAD News: The bike sustained extensive damage to the rear wheel. The wheel will need to be replaced. The cost to replace the wheel is $1512.11.

    The bike is a Specialized S-works Tarmac with CLX 50 satin carbon/gloss wheel set. [Bike shop name] is the only shop in town that has an account with Specialized and where I will be placing the order. I’ve spoken with the owner ... and they are prepared to place the order ... but I wanted to provide you with the information [first] ... I have scanned a copy of the invoice...

    The bike is currently at [bike shop name]. if you would like to go and inspect the wheel... [Shop manager name] would provide you with the details...

    Let me know what direction you wish to go regarding purchasing the wheel (either payment or filing the claim thru your insurance.)

    I trust [niece's name] is doing ok.

    [cyclist's name]
    Last edited by blackfrancois; 2 Weeks Ago at 05:16 PM.
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  2. #2
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    sounds like MSRP for the rear wheel.

    your niece should pay it and be extremely grateful she didn't cause physical injuries and be on the hook for far more damages.
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  3. #3
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    Yep, going to go with pay it. But she should get in writing that once the wheel is paid for and replaced, that the issue is closed, and no further claims will be made.. That should hopefully prevent the "ow my neck" in a few weeks.

    In the even that the rider won't agree to that, then let her insurance handle it. I am not an insurance pro, but I do believe that if you don't notify the insurance company of the accident and try to handle it themselves, if the rider makes an additional claim (say a medical claim which can costs 10's of thousands), the insurance company may deny the claim and make your niece cover the claim...

  4. #4
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    Yes I think she should be ready to pay for the wheel but also inform her insurance company and they should give guidance about preventing future bodily injury claims.
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  5. #5
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    Don't have any advice one way or the other but kudos to your niece for not being an other "hit and run" cager.
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  6. #6
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    Quote Originally Posted by upstateSC-rider View Post
    Don't have any advice one way or the other but kudos to your niece for not being an other "hit and run" cager.
    Pay yes, but first spend a few hundred on an hour discussing it with an attorney to make sure she is covered on the liability questions appropriately. Property damage is cheap, medical is not. Not saying she should duck the responsibility if a medical claim comes up, she needs to own that as well if it's legit - just important to make choices well informed eyes wide open. Using an attorney will help protect her from insurance rate escalation that might come from talking with her auto insurance agent.

    And kudos to her for doing the right thing too!
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  7. #7
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    Quote Originally Posted by Srode View Post
    Pay yes, but first spend a few hundred on an hour discussing it with an attorney to make sure she is covered on the liability questions appropriately.
    ^^This^^ She should at the very least consult with an attorney for advice just in case the cyclist decides a medical issue in the future is a result of the collision.
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  8. #8
    changingleaf
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    I'm very glad the cyclist wasn't hurt. $1500 is a good lesson.

  9. #9
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    My advice (I'm an insurance lawyer, FWIW): Tell her to REPORT IT TO INSURANCE COMPANY IMMEDIATELY. It's why you pay for liability insurance. They will hire a lawyer if they think one is necessary. They will get the appropriate release from the claimant. They do that to protect their money, obviously, but it protects the insured person (your niece) as well. If she pays for the guy's wheel and he later comes back claiming an injury, the insurer may deny coverage because the late notice prejudiced their ability to properly investigate and defend the claim.

    Her premiums may or may not go up, depending on her accident history, but that's small potatoes compared to the cost of hiring a lawyer to defend a bodily injury claim.

    It's why you pay for liability insurance. Use it.
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  10. #10
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    Quote Originally Posted by JCavilia View Post
    My advice (I'm an insurance lawyer, FWIW): Tell her to REPORT IT TO INSURANCE COMPANY IMMEDIATELY. It's why you pay for liability insurance. They will hire a lawyer if they think one is necessary.
    It's why you pay for liability insurance. Use it.

    I'm a REAL ESTATE Lawyer in FL but even I know enough about automobile liability insurance claims to give the same advice as you. I was just about to do that when I scrolled down and saw your post. GREAT ADVICE......and FREE.

  11. #11
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    thanks for the replies.

    i forgot to mention my brother in law owns an insurance company. i think it's mostly health-related, but i assume he knows what to do for my niece.

    my sis was just really surprised bikes and wheels could cost this much...

    a few years ago, i asked her to buy a bike for me on tulsa craigslist. it was an '88 miyata in great shape being sold for $150.
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  12. #12
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    JCavlia has the most sound advice. She should file a claim with her insurance and let them handle it. It's why she pays her premiums.
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  13. #13
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    You must spread some Reputation around before giving it to JCavilia again.

    Quote Originally Posted by JCavilia View Post
    My advice (I'm an insurance lawyer, FWIW): Tell her to REPORT IT TO INSURANCE COMPANY IMMEDIATELY. It's why you pay for liability insurance. They will hire a lawyer if they think one is necessary. They will get the appropriate release from the claimant. They do that to protect their money, obviously, but it protects the insured person (your niece) as well. If she pays for the guy's wheel and he later comes back claiming an injury, the insurer may deny coverage because the late notice prejudiced their ability to properly investigate and defend the claim.

    Her premiums may or may not go up, depending on her accident history, but that's small potatoes compared to the cost of hiring a lawyer to defend a bodily injury claim.

    It's why you pay for liability insurance. Use it.

  14. #14
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    Quote Originally Posted by blackfrancois View Post
    thanks for the replies.

    i forgot to mention my brother in law owns an insurance company. i think it's mostly health-related, but i assume he knows what to do for my niece.

    my sis was just really surprised bikes and wheels could cost this much...

    a few years ago, i asked her to buy a bike for me on tulsa craigslist. it was an '88 miyata in great shape being sold for $150.
    Yeah, you'd be surprised how much wheels can cost. Many wheelsets cost as much or more as entire top-end bikes from 15-20 years ago. Some *single* wheels can cost up to $3K!!!
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