Long tale - will try to shorten.

Son recently started own business. Sole trader. 60 reg transit 3 months ago very good vehicle and good price..

Returning to his work site in clear, dry calm weather. Approached RH bend at spot he's done hundreds of times. Around the corner at speed came a byke which just missed him. Following behind, his mate didn't miss him. Hit Transit front OS wheel full on, and removed it. and opened up the sump. Byke in 3 bits. Incredibly, biker seems to have travelled up side of van before landing and suffered knee damage.

Police have I expect enough to do and in view of relatively fortunate outcome I dont expect they will prosecute altho the pc indic all evidence pointed to the byke being on wrong side and 2 following drivers stated that 2 bykers had passes them 'at speed' just before.

No excuse- I wouldnt have done it - BUT BUT starting up, no spare cash, cut the costs, so son had no replacement vehicle cover, no legal cover but just bare bones of comp insurance. So, he's out of business for a bit and his own insurer is not exactly helping by hanging about on inspecting the van.

I've said he'll sadly just have to swallow hard, put it down to experience be prepared to lose a few K and as Astaire would say 'dust yourself down and start all over again', especially if the byker's insurer begins to hint at oil on road or a pebbly surface or being freaked by a crow. Am I right or too pessimistic?

Thanks for reading and I would appreciate your views