Legal help with a scooter accident - Ask for advice now

Questioner

Hello, A few months ago, I had a scooter accident. A woman on a bike came around a corner she wasn't supposed to, and she rode into the bike path against traffic. I was riding in the path, and I had to swerve to avoid hitting her. Then I fell off my scooter, which broke and was beyond repair. I fell on my face, and I still have a scar on my nose and legs. My two front teeth are broken, and I now have crowns that need replacing every 5 to 10 years, which costs €1,000. Not only did I suffer physical injuries, but my clothes (pants, jacket, shoes, phone, gold ring, and silver ring) are also damaged. Because I didn't have a scooter for a while, I had to take public transportation to school every day, spending €5 a day on travel expenses for several months. It turns out this woman isn't insured, and as a 17-year-old, I have to pay for all the damage myself. So my question is, is there any way I can get my money back? The woman has already been convicted because she was drunk, driving against traffic, and talking on the phone. But she doesn't have an address, and the police don't have one either, and they can't help me. The damage amounts to approximately €20,000 because the crowns need to be replaced every 5 to 10 years. I hope you can help me.

Questioner

Dear questioner, If you have the name of the lady, you can hold her liable for the damages, even if her place of residence or abode is unknown. How comprehensively are you insured against damage? Have you already raised this issue with your insurer? I'm also wondering: did no one tell you that you could have joined the criminal proceedings as a victim, or was the lady not found guilty of a crime?

Questioner

Hello, I know the woman's name, but she's homeless, making it difficult to track her down. It turns out she's uninsured. I have comprehensive insurance, and the insurance company knows the story.

Questioner

And victim support also knows about it, but they can't help me either.

Questioner

Dear questioner, In that case, I believe your insurer should assume your claim. Incidentally, there are rules regarding what to do if a summons must be issued to an unknown defendant. Could you please provide me with a link to the relevant insurance policy and the name of the insurer?

Questioner

The name of my insurer is orion direct.

Questioner

Okay, I've read the terms and conditions. I assume you don't have passenger insurance? Orion is obligated to compensate for the damage to and from your moped under the comprehensive insurance. The bodily injury is not covered; for that, you need to sue the cyclist. You can do that if you know her name. You should be aware that initiating and winning a civil lawsuit doesn't always guarantee compensation. I want to warn you about this, as she apparently has no fixed address and little to no assets. Perhaps they can help you at your local legal aid office? Good luck!