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In the most simple terms, a cyclist can claim against a motorist when an accident was the latter's fault.In many cases, however, a cyclist will be in some measure to blame for an accident, and depending on to what extent, a motorist's liability will be harder to establish.
So if you feel that repairing the damage to your car will be too expensive to cover by yourself, then you should report the door damage to the police. While reporting the incident, be sure to request that police document and file an official accident report for you.
If the accident happened on the way to or from work, or whilst at work, it also suggests they may be covered by their employer's insurance. If the cyclist has inadequate insurance it will probably be easier to claim on your insurance and let the insurance company take action against anyone who is liable.
You should call the police, and an ambulance for the cyclist as soon as it's safe to do so. The cyclist may insist that they are absolutely fine but they may have hit their head, or they may be in a state of shock.
In most cases, the person who opened the door is liable if he or she doors a cyclist. When a cyclist files a personal injury claim against the driver or passenger, the cyclist must show that the driver or passenger failed to act in a careful manner before opening the door.
This offence is committed when the standard of driving is dangerous and results in another person suffering a serious physical injury. The maximum punishment (if the case is heard in the Crown Court) is five years in prison and/or a fine and disqualification for at least two years.
Clearly, if someone opens their car door into traffic and the door gets hit by another driver, the person who opened the door bears responsibility for the crash.
If the accident happened on the way to or from work, or whilst at work, it also suggests they may be covered by their employer's insurance. If the cyclist has inadequate insurance it will probably be easier to claim on your insurance and let the insurance company take action against anyone who is liable.
Your auto insurance policy covers door dings as long as you have collision, and coverage is subject to your deductible. A lot of times it is not worth going through insurance for door dings. It's often better to go through a dent repair service like Diablo Dents.