If you are talking about reasonable accidents where the other person is playing fairly, within the rules, and not being reckless, then you're correct. Otherwise they may be liable. Using medical and earnings as an example in NZ is flawed though because ACC prevents us from claiming these damages anyway.
I'll use an extreme example. If you turned around and rode the wrong way and crashed into me then I'd fully expect you to pay for any damages. I'd take you to court because I'm so confident that I'd win.
I suspect it would be a hard fight in a court for the OP unless there is some clear evidence the guy was riding like a cock, and we've only heard one side of the story.
There are legal precedents here. From the article i posted earlier:
Cordon v Basi [1985] 1 WLR 866 (England)
In this case Mr Basi, an amateur soccer player, was held liable for breaking his opponent’s leg in a tackle during a local league match. The sliding tackle was adjudged to constitute “serious foul play” and to have made in a reckless and dangerous manner and to have been worthy of a sending off.




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Are you taking 
hay i dont no either of u but really havent u worked it out yet theres no teachers to cry to ur just makin urself look like a little girl, why dont u look on you tube theres heaps of tutorials on furthering ur riding skills learn to ride then go get even with him on the track, after taking someone out i love the look on there face wen u say sorry thats racing lol, its good 4 everyone it atracts spectators ill come watch it will be like revenge of the nerds live


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