Had my second serious accident last week.
I was traveling downhill in a residential street, a ute reversed out of his driveway suddenly and I had no vision of him till he was on the road. I locked my brakes up twice as I lost control on my first attempt to slow down. The second slide I couldn't stop in time. A car was to the left and a rubbish bin on the right. So no option but to hit him in the rear bumper/tray. (I was hoping he would take off in time for me to avoid impact.) I made contact and flew over the handlebars into his tray. No joke… he had loud music playing and didn't realise the incident and continued to drive a few metres till I knocked on the window and he saw me.
I got his name and number. He helped me bend my bike back into shape. I pointed out the bent forks. He had a passenger with him they were kind and helpful. No one admitted fault at the scene. I haven't filed a police report. Bicycle report cost is new forks: $770.
My question is what are my options, do I ask him to file an insurance claim?
It's difficult because I prefer suburban roads due to less traffic, but you get more situations like this I guess.