It never ceases to amaze me on picking up my eagerly awaited issue of the Digest just how intrepid, nay swashbuckling you lot are. Personally the furthest I go these days on my highly polished steed is a tank full away, but some of you it appears would treat that as a mere warm up.
Regular contributors wax lyrical about the joys of coglioni congelatos on Italian alpine passes, couillions cogeles on French autovias, and cojones congelados in the Sierra Nevada. It’s a wonder any of you have got offspring given that onslaught on your manhood. I, as a fellow biker albeit of the totally fair-weather kind, have nothing but admiration for you all, and long may you all swash and buckle in perfect happiness.
But what if it all goes wrong and you have an accident abroad, what advice can I give you as a bike accident lawyer to help? That was the question posed by our erstwhile editor and has had me scratching my head for answers to a global question. And that’s the first thing to remember, it depends where in the world you are going because frankly its not that small a world really.
Before you go you must research what precisely you need to travel in your chosen country the most essential legal requirement being insurance. All European Union member states and most other European countries have adopted the “Green Card” system. No that doesn’t mean you have to marry the first person you seen as you cross the border, its just a snappy title for an internationally recognised certificate of insurance. Basically it shows to the surly gun totting moustachioed tanned traffic cop that you have at least the basic insurance requirement for Blighty and he should let you on your way. Always wise of course to take copies of the actual insurance certificate, your original licence (both parts) and evidence of ownership (copy V5). The easier you make it for Pc Poncherello (remember CHiPs from the 80’s?) the better.
Travelling abroad is different. You’re on the other side for a start and whilst that’s easier to remember in a car, on a bike it can catch you out as you set off with an “Ouzo-head”. Point is you are more likely to make a mistake as you are doing more miles in unfamiliar surroundings so you need to think about travel insurance. In Europe we are all covered for NHS equivalent care provided you can show your entitlement. Just nip down the post office and fill in a simple E111 ( pronounced e one eleven, I am telling you that so you can look cool infront of Mrs Fairbright picking up her pension!). You’ll get a nice shiny plastic card that covers you forever but remember that’s only so they can scrape you up and give you emergency treatment.
Despite the fact that you may treat a double compound fracture as a mere flesh wound, you might not be able to carry on and so ensure that you top up the medical insurance with full cover to pay for repatriation and this would be “we have to flog the house love” expensive if you had to pay personally for it.
Your pride and joy may need bringing back and most roadside assistance companies here will be only to happy to quote you for foreign travel cover. Talk to them and of course your insurers as they may have a deal with a Europe wide supplier. It is of course essential that you do talk to your insurers, not only to get your green card but also to tell them where you are going …precisely! Its no good nipping over the border into Kazakhstan only to find that your not covered for breaking Borat’s leg.
Now lets talk nitty gritty. It’s happened, your European adventure is ended by Manuel in his Seat and you hear the words that are enough to send a shiver down the spine of any biker abroad. “Lo siento, no te habia visto chaval” (Sorry mate I didn’t see you) or even “I come from Barcelona, I know nothing”
You know that at home you would contact a biking lawyer and have no problem in claiming full compensation for your loss and injury. Everyone is familiar with the no win no fee system here and despite most thinking judges are anti-biker, they are not. But how do you go about claiming against a foreign resident for an accident abroad?
Well in the past you only had one option; to instruct lawyer in the foreign state privately. That is a very difficult and expensive task and not to be undertaken lightly. I have in the distant past seen deserving and badly injured clients be forced to do nothing and live with their injuries as the costs risk outweighed the potential benefits. The EU has, however moved on and whilst some in the recent election would have us believe we would be better off without those pesky eurocrats setting legally enforceable noise limits on our toilet flush, they have actually played a blinder in simplifying traffic accident procedure. The rules are still complicated but it is now possible to take a direct action against the insurance company involved provided the insurer is also domiciled here. Most insurance companies have business here and so it may be possible to sue here for an accident abroad dependent on certain factors. The huge and immediate benefit of that is that you may be able to lessen the cost risk on a no win no fee arrangement as opposed to paying your legal costs come what may as is common abroad.
If the accident scenario is complicated, or there are other problems then you may again be left at the mercy of the legal system of the state where it happened and whilst that system will have the ability to award you compensation the cost rules may well be prohibitive.
Not all accidents abroad happen on the road of course and there are possibilities of claiming against the tour operator for accidents in hotels and on organised trips (coach excursions and the like). So if you get food poisoning in the hotel, or the balcony rail collapses the holiday company could be in the frame for a legal action here. Also of course if you are abroad working for an English based company and have and accident at work the case can be taken here even if the incident happened in Dubai or other far flung destinations.
Foreign trade means foreign drivers and I come across many accidents on these shores where, following the green card system, we take court proceedings here against foreign drivers, with a British insurer dealing with us and eventually paying compensation without too much fuss. It is not the problem some of the press would have us believe.
So with the inevitability of a one legged duck swimming in a circle, here are my top ten tips on accidents with a foreign twist.
1 Preparation not exasperation. Plan your trip with military precision. Know where your going exactly and the more research you do on applicable driving laws and regulations there the better.
2 Europe or not. Check if the country you are visiting is in the European Union or not as it makes a difference. You can presume EU members have good protection for motorists and strong laws to enforce compulsory insurance. If not then oh crikey!
3 Call your insurers. Tell them your plans and ask them to arrange your cover and a green card. They will probably take the opportunity to flog you breakdown cover and medical expenses cover which is essential. Get a Green Card and prepare your documents pack to make the roadside chat to the La Policia less unpleasant.
4 Avoid dole day at the post office but do go and get your E111 card…its easy.
5 If you have an accident always call the police as they will have to keep records that could eventually be essential. In some countries it is essential to call them and provided you haven’t got 2kg of the Afganistan poppy harvest bungeed to your battered Royal Enfield call the fuzz.
6 Outside Europe is a minefield (and from reading the stories herein I mean literally a minefield!) I, and most of my legal colleagues have little or no idea on how the legal system of Borneo operates and so if you’re wiped out by a 1960’s Trabant on a mountain pass then I’m afraid you’re on your own. If you do need a foreign lawyer call the Law Society who may be able to point you in the right direction.
7 Organised trip? If your trip is part of a package and you are injured through proveable negligence then you may be able to claim against the holiday company. Its difficult to see how this could help if you merely crash a bike due to a normal road accident, but it could be of use if for example the bike supplied by them had a defect that caused the crash.
8 Johnny Foreigner on British roads is not usually a problem as they will probably have a green card but always call the police as they will carry out roadside checks and will only let the driver on his way if it all checks out.
9 Legal costs abroad are rarely recoverable. Consider asking your insurers if they have legal expenses cover available for accidents abroad. I am generally dubious about the need for such insurance here as we have such a risk free system (no win no fee) but this cover could be very valuable for accidents elsewhere.
10 Get advice and be quick about it! Don’t give up just because it looks complicated, there are lawyers out there who can help and may be able to bring an easy case directly against the insurers here. But act quickly. The date by which you must issue court proceedings following an accident here is 3 years, but in other countries it can be just as long as newly promoted Blackpool will last in the Premiership! So get cracking.
If you want specific advice or have a request for legal issues to be addressed in future editions please contact Mark Lampkin directly at mark@lampkinco.co.uk or via the Rider’s Digest.
Mark Lampkin is a Motorbike Accident Claim Specialist Solicitor.