If you’ve already been involved in an accident, but you're not covered by insurance, you're not without options. Many cycle accident solicitors operate on a no-win-no-fee basis and can help you make a claim to recover your costs.
Online cycling retailer Wiggle has set up a branch called Wiggle Legal for this very purpose, and other similar companies, including Cycle SOS and Alyson France, can help you claim against the local council for potholes or guilty parties in road traffic collisions. Of course, it's not guaranteed that you'll win, and if there's no guilty party to claim against, you may come unstuck.