Falling on deaf ears
Bicyclists should have insurance...
- Thread starter chiller
- Start date
Falling on deaf ears
Short of a few of our legal beagle members I seriously doubt any of us know all of the rules of the road. Many rules have been forgotten after a few years of driving. What is a pass grade?
BTW you don't have to know every law but that doesn't exempt one from taking responsibility for ones actions.
"You didn't know that was illegal? Did you know for certain that it was?"
In some cases law obeying drivers are forced to break the laws because everyone else is doing it wrong and conflicting with the goofs would result in a collision.
If a driver drives an unremarkable vehicle, doesn't speed excessively, doesn't use a cell phone or DUI it's highly unlikely they will ever get a ticket other than a red light camera. I would guess that the above mentioned offences generate over 90% of the income.
-D-
Banned
We all passed that basic written test to get on the road, right.
Also ignorance of the law is not a legal defense.
-D-
Banned
Are you bipolar or suffering from dementia?
You seem to have a hard time focusing on topics and quickly resort to name calling as your base of reasoning.
I clearly said check the price for 1 door but they will likely tell you they just don't repaint the 1 door because it will not match.
But then again you would probably go out and plastidip your door to be kewl.
Motorcycles that have tipped over standing still are written off. Why is that? I mean it just some plastic parts, right.
You know like when a car causes your bike to fall and the driver says here is $500, let's call it a day, lol.
I'm no linguistics major, but I only see one person resorting to name calling. I think you just need to calm down.
We all understand your point; we shouldn't however, be expected to agree with it... Particularly on such a subjective matter.
Motorcycle Mike
Well-known member
No **** eh? Inconvenience and further complicate every one's lives who wish to use a bicycle -- even the guy who rides 4x a year in his neighbourhood behind his kid or dog -- just because D's car might get scratched down town Toronto by some dingus.
Personally if I had to register and insure my bicycle, I'd just not use it... not worth it to me as I might go out for a ride 2 or 3 times a year.
Anything that encourages exercise should be promoted... not hit with registration and insurance that is going to discourage the use. What's next? Need to register and insure running shoes because that jogger might run into D's car and scratch it?
Do I have to register and insure all the balls I have at home, someone might throw one and hit D's car....? What about my skate board, roller blades? The clouds should also be insured, they might create hail and ding D's car...
More regulation is not the answer... and in Ontario it will be a couple grand to insure a 10 Speed "racing bicycle" if you are under 25.
More regulation is not the answer... and in Ontario it will be a couple grand to insure a 10 Speed "racing bicycle" if you are under 25.
-D-
Banned
It's not a dented door that is the issue. It's about seriously hurting someone or killing them (not your "fault").
There is a well known long time forum member here.
I am not going to discuss their ordeal in details.
I will say, something happened that was not their fault, no tickets given to them...and they ended up losing everything.
This member is the type that carries double the required insurance.
I asked the same thing as many as you are...you are not at fault, no tickets given, no charges laid, your insurance pays... so how are they suing you and you lost just about every damn thing.
As they said, they thought the same as we do...until it happens then you really know how things work.
While I disagree with your cavalier approach to responsibility, to be fiscally responsible we would first have to find out the total dollar amount of such damages over a year and then compare those numbers against the cost of setting up the new system. I doubt that the costs could be justified.
Motorcycle Mike
Well-known member
Okay, here is the solution that I could get behind: make a mandatory liability insurance for everyone over 16, kids under 16 are covered under their parents or guardian's policy.
This liability insurance would cover you no matter what you are operating... A bike, a car, walking across the road, whatever... You also don't need to buy liability coverage for every vehicle as the operator is covered and not the vehicle. Only additional insurance would be needed if collision or comp is wanted. You could own 30 vehicles if you wanted... And your one policy would cover you driving any of them.
This liability insurance would cover you no matter what you are operating... A bike, a car, walking across the road, whatever... You also don't need to buy liability coverage for every vehicle as the operator is covered and not the vehicle. Only additional insurance would be needed if collision or comp is wanted. You could own 30 vehicles if you wanted... And your one policy would cover you driving any of them.
THAT is an interesting theory I do not believe I`ve ever heard heard of before.
Ever.
No threads about having several bikes but questioning the need for liability on each single on of them when only one can be driven at a time.
Ever.
lol
Its all great talking about it, but in the end, FSCO and insurance companies dont give a damn
Motorcycle Mike
Well-known member
Sure Phil... way to dispel the myth that I am extremely intelligent and original! hehe
:agave:
-D-
Banned
I think Florida might still have that (or they used to) it was called PIP, Personal Insurance Protection.
Great idea but now way in hell the insurance industry giving up the hold on the multi-vehicle idea.
