Late last year I had the misfortune as a pedestrian to have a collision with a cyclist, while I was crossing the road.
No-one was hurt beyond bruises and scrapes but the bike was structurally damaged.
We both apologised, he was philosophical about the damage to the bike and I gave him my details in case he needed info to make a claim.
Now his insurer is chasing me for a couple of grand to replace the bike chassis. They say I am entirely at fault as I was crossing on a red pedestrian signal.
I was. But: It was a bus only street with no buses near to me , closed to all other traffic (including bikes) and closed to buses by a red light. The guy on the bike had to run a red light to enter the street. He did this off a downhill at some speed, and it was wet. We both took evasive action in the same direction - I ran forward and he swerved right. Comedy of errors really.
My view is by two counts (red light, not-a-bus) the cycle should not have been there. I also think he should have swerved left to avoid collision, and was traveling too fast for the conditions.
If fault is shared both parties cover their own loss.
I would appreciate views on fault/liability in this situation.