Sorry to hear about your unfortunate incident and I hope you don’t suffer too much from the injury perspective.
Firstly, you got rear ended. The third party (the guy that hit you) will be held liable 100% as in law that is deemed as what is called strict liability. In other words, unless it can be shown that you brake tested the guy behind such as in a crash for cash scam (which you have already demonstrated was not the case) then the other party will be held 100% liable. This will speed the claims process up, but…If you are claiming for injuries, this will take longer to settle for all sorts of reasons and you will be looking at a minimum of 12 months for that aspect to be sorted, although the damage side can be settled quite quickly.
Your claim should include all out of pocket expenses. So, public transport to get to work or any doctors appointments in the event that you are unable to ride or drive. Any car park fees, prescription costs, loss of earnings, overtime etc along with any other cost that has been incurred because of the crash. Even if for example you pay someone a fiver to walk the dog because you can’t, that can be claimed as a legitimate expense.
I always used to tell clients to keep a diary and put the receipt inside the diary with a note against the date, or, if no receipt, just make a note of what the expense was and value. Expenses soon mount up and the other side will often try and contest these, but if you have a record and where possible a receipt, it is hard to dispute them.
If your kit is damaged, it can be claimed for. It is safety kit and is designed to protect you once, so you are entitled to be returned back to the position you were in prior to the crash. Your replacement is on the grounds of safety and the insurers know that they cannot dispute this. However, get an estimate done as soon as possible but make sure the costings are like for like. For example you cannot claim for a £500 Arai if you were wearing a £50 AGV.
With the hire bike, be careful. Plantec are one of the better crash management firms (99% are cowboys) but many courts have been throwing out hire cost charges as being unreasonable. Your signed agreement will also confirm that you accept that you are liable for any hire costs they are unable to recover. I had one rider who was awarded £10K for his injuries, £8K went to pay off the hire bike costs because he did not read the small print and the costs were thrown out by the courts. Just be careful and don’t hang onto the hire bike any longer than required.
Your insurers have palmed off the case to a crash management firm, but you are entitled to use any law firm you wish and there is nothing your insurers can do about it. Just remember that the crash management firm are not legally qualified, they will make most of their money from the bike hire and crash repairs, but in any case, any legal representative is entitled to deduct up to a maximum of 25% or any injury award as part of what is called a success fee, but this percentage is negotiable.
The last part regarding the actions at the scene, the law is quite specific.
It states that
In the event of an accident, all parties must
Exchange names and addresses of the drivers/riders of the vehicles involved
Exchange names and addresses of the owners of the vehicles (allows for company vehicles)
Exchange details of registration marks of the vehicles involved.
And…In the event of injury, produce insurance details with reasonable grounds to so require those details.
Failure to comply with any of that, then it must be reported in person as soon as practicable but in any case within 24 hours to the Police
Failure to comply is an offence of failing to stop and report and carries heavy penalties.
If there is no injury, no requirement to produce insurance, claim details are dealt with by letter. But I would certainly pop in to your local nick and explain that you need to report it as you did not comply. The Police are unlikely to prosecute, but from a claim point of you, you have covered your cases.
Hope that is of some help to you?