Should Insurance Be Required?

[glenn forger]

Can you please post evidence of a car causing an unrecoverable loss to a cyclist? From a verified source? So I will not accept an article from any cycling site, or from any cyclist whose opinion is not then challenged by the other party. I assume you can't, and you will reply with "well you do it first".

I already have. See the MIB link I posted yesterday.

 

[ufkacbln]

Can you prove God doesn't exist? Can you prove that pink bananas don't grown naturally? Negatives can't be proven.

However, here are some links of anecdotal evidence, and articles.

http://www.pistonheads.com/gassing/...eeded+following+accident+with+a+cyclist&mid=0


Admittedly it is rare, but it can and does happen, that a cyclist is at fault in an incident.

Rare enough not to be compulsory, as I said I do NOT AGREE with compulsory insurance. But if the cyclist does NOT have the ASSETS or CASH to cover a claim, it may be wise to get it voluntarily.

I have insurance, not for the primary benefit of other road users. But, to protect ME from any litigation, as I do not have several thousand lay around to cover a possible claim should I make a mistake.

I honestly don't understand why you think it is so terrible that a cyclist who cannot afford to pay for claims themselves, should consider insuring themself against it? Please explain your viewpoint that no cyclist should ever get insurance? As that is the viewpoint you seem to be taking.

My real concern is that it is a very one-sded version............

We were hit by a car reversing out of a parking space into the side of our car.

They claimed we were responsible and then claimed that we had driven into them, threatened us with being taken to court, accused of defaming the character of their employee, and so on.

After some 6 months of threats we were "offered" knock for knock

After 9 months fighting their spurious claims, they setted.

 

[PhilDawson8270]

It's more interesting that having boasted he had evidence up to his eyeballs all that Phils managed to find is a far fetched story from a pro speeding website where posters ask for help evading speeding fines and post pictures of dead cyclists for a laugh.

http://forums.digitalspy.co.uk/showthread.php?t=1477086

http://www.pistonheads.com/gassing/topic.asp?t=1032451

http://singletrackworld.com/forum/topic/has-a-cyclist-ever-damaged-your-car (cyclist site here)

A cyclist ran into the back of my wifes car when she was stationary

I rode full tilt into a parked car once, after getting distracted by the shadows my wheel reflectors were casting

I wrote off a Ford Orion once! I was riding to the start of a race and was dicking about with my shoes and just rode into the back of it.

A mate's wife stopped to reverse into a side street when some clown came through the back window, apparently cost an absolute fortune to repair the damage

. The arse scrapped/put a small dent in the rear quarter with his bar end and then carried on into the cycle box in front. I moved forwards wound the window down to ask if there was any damage and got a hail of abuse how I should,nt be in the cycle box which I wasn't in when he hit my car.

http://www.all-about-car-accidents....ms/someone-hit-parked-car-bicycle-can-i-sue-d

any judgment you’re awarded by the court will need to be paid by the bicyclist directly. And as any small claims court claimant will tell you, getting a judgment in your favor is one thing, and actually seeing any money is a different story

http://www.consumeractiongroup.co.u...p?126958-Cyclist-causes-£550-damage-to-my-car (not car biased site)

his home insurance

had advised him to pay nothing & to make me claim on my car insurance

My insurers have said they will make no effort to recoup damages from him

http://www.rac.co.uk/forum/showthread.php?9476-Cyclist-damaged-my-car

https://uk.answers.yahoo.com/question/index?qid=20120522082626AAJewEY

 

[PhilDawson8270]

You cannot reasonably expect to be able to post a link from Pistonheads as your piece of evidence and expect someone on a cycling forum to accept it as conclusive of anything.

In the same vein, a pro-cycling source cannot be seen as reliable when it is in the cyclists favour.

 

[PhilDawson8270]

I already have. See the MIB link I posted yesterday.

http://www.jmw.co.uk/services-for-y...ies/cyclist-involved-in-hit-and-run-accident/

That link?

If so, the costs were recovered in that incident.

 

[theclaud]

In the same vein, a pro-cycling source cannot be seen as reliable when it is in the cyclists favour.

Give over. This is a cycling forum.

 

[glenn forger]

Have you read those links? There is NOTHING to stop any of those people from recovering the loss. You were asked for evidence that what you claim is true, you keep posting anecdotes that do nothing of the kind.

 

[PhilDawson8270]

What costs? I've asked you twice for examples. If it's a problem I'm willing to be convinced.

Are you saying a cyclist NEVER has an at fault incident? Despite various members here having claims made against their cycle insurance?

I never said it's big enough to be a problem, just that if the cyclist cannot afford the potential costs involved in an incident. It would be wise to protect themselves with insurance.

 

[glenn forger]

That link?

If so, the costs were recovered in that incident.

From whom?

 

[glenn forger]

Are you saying a cyclist NEVER has an at fault incident? Despite various members here having claims made against their cycle insurance?

I never said it's big enough to be a problem, just that if the cyclist cannot afford the potential costs involved in an incident. It would be wise to protect themselves with insurance.

What on earth are you going on about?


You claimed it would be good if riders had insurance. You were asked for evidence it was a problem.

 

[PhilDawson8270]

Have you read those links? There is NOTHING to stop any of those people from recovering the loss. You were asked for evidence that what you claim is true, you keep posting anecdotes that do nothing of the kind.

So tell me what happens, when they get a judgement in their favour. And the cyclist does not have the money to pay?

 

[PhilDawson8270]

From whom?

The MIB

 

[PhilDawson8270]

Give over. This is a cycling forum.

So the only allowed opinion is the one that fits with the majority, and must be pro-cycling with total bias? That no cyclist can ever cause an accident, and no cyclist can ever be too poor to be unable to pay for damage?

 

[ufkacbln]

Again there is no verification in these quotes.

Take the one where the "Home Insurance" had advised him

If the case was such that an insurance company advises in his way, why should we think that the same company could not give the same advice for other insurance types?

Insurance companies are not exactly philanthropic and cycle insurance / home insurance / vehicle insurance all work in the same way to avoid paying out

 

[glenn forger]

That's exactly what the hive mind said, yes. Bye.