Question Author
Hi Everyone,
Thanks for all your replies. The case is currently with the insurance companies, and the police are no longer interested, as although they attended the incident, they decided there was no criminal activity & therefore a matter for the insurance companies. I know whatever answers I get on here don't mean much, & it's the Insurance Company's decision - I just wondered what the general consensus was, as it's going to take months to sort out officially.
To answer some questions, there was no overtaking (intended or actual) involved. My husband was simply following the third party down the road, in a line of traffic. Neither were speeding as they'd just passed a speed camera, and my husband was maintaining a 3-second gap between him & the 3rd party in front - he was definately not 'up his backside'!
He didn't lose control of the bike - in fact he tried his best to steer around the car, but there wasn't enough time & in any case, would have had to choose between a ditch & a line of oncoming traffic. He only 'lost control' when his front wheel connected with the 3rd party's tow bar.
I appreciate the 'what if a child ran out' point of view (thanks bednobs); however if that (or similar) had happened, my husband would have seen this also, & likely would have braked earlier. Surely a sudden decision to stop immediately, just because you fancy turning around can't be viewed the same, can it?!
By the way, I only mentioned that the 3rd party was not a UK National in case it had some bearing on the insurer's views - I wasn't trying to imply non-UK Nationals in general can't drive!!
Thanks very much to all of you for taking the time to reply.
Emily.