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thesultanofsheight

They should have had insurance

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I bet this chap regrets being honest too. 

Fair enough he wasn’t paying attention at the wheel and got fined.

https://www.manxradio.com/news/isle-of-man-news/motorist-fined-for-hitting-cyclists/

But having to pay them £4,500 to replace their expensive and gay lycra gear and ludicrously expensive bikes? If it was a straight car accident the other parties would be insured and all would be sorted by insurance companies speaking with insurance companies. But cyclists don’t have to be insured despite being allowed to ride on the roads so why should this chap be made to pay all their damages? They took to the roads at their own risks presumably without any form damage or public liability insurance and got involved in a genuine accident which seems to have cost the driver about five grand because they’re allowed to jam up the roads without having to buy insurance. 

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Cyclists should have insurance and pay road tax.   If they cause an accident there is no come back and now there are more of them around than ever.

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Hopefully other motorists now will be forewarned as to the consequences. A lot of cyclists are insured as bikes can cost a phenomenal amount of money. Common sense prevailed and the guy who caused the damage will now pay.

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Just now, hissingsid said:

Cyclists should have insurance and pay road tax.   If they cause an accident there is no come back and now there are more of them around than ever.

Road tax??

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Posted (edited)
12 minutes ago, Neil Down said:

Hopefully other motorists now will be forewarned as to the consequences. A lot of cyclists are insured as bikes can cost a phenomenal amount of money. Common sense prevailed and the guy who caused the damage will now pay.

If he hit an uninsured driver the other driver would be in court. Expecting someone to pay out on some idiots two grand bike because he isn’t insured is not on. All cyclists should be compelled to be insured if they ride on public roads. They can pay for their own stupid ridiculously expensive bikes not everyone else. 

Edited by thesultanofsheight
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Posted (edited)
3 minutes ago, thesultanofsheight said:

If he hit an uninsured driver the other driver would be in court. Expecting someone to pay out on some idiots two grand bike because he isn’t insured is not on. All cyclists should be compelled to be insured if they ride on public roads. They can pay for their own stupid ridiculously expensive bikes not everyone else. 

Where does it say they didn’t have insurance? By his own admission, he wasn’t driving to the conditions.

 

ETA - It was not the cyclists that were idiots...

Edited by Neil Down
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Do kids have to have insurance for their bikes too?

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1 minute ago, Neil Down said:

Where does it say they didn’t have insurance? By his own admission, he wasn’t driving to the conditions.

Why did he have to pay them £4,500 if they had insurance? The insurance company would have covered it just like any other motor accident if they had a policy in place just like every motorist. 

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With bikes and the riding gear being the sort of prices/values they are these days, it's surely time that some sort of insurance was compulsory for use on public roads? What happens if a cyclist hits a car and is culpable? Is the car driver expected to claim on his insurance?

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1 minute ago, Gizo said:

Do kids have to have insurance for their bikes too?

Adults don’t have to have insurance. The sensible ones do though

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Surely his own insurance would pay out for the bikes without the courts lumping the cost on top of his fine?

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1 minute ago, Non-Believer said:

With bikes and the riding gear being the sort of prices/values they are these days, it's surely time that some sort of insurance was compulsory for use on public roads? What happens if a cyclist hits a car and is culpable? Is the car driver expected to claim on his insurance?

Yes that is the only possible outcome. 

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Just now, Non-Believer said:

With bikes and the riding gear being the sort of prices/values they are these days, it's surely time that some sort of insurance was compulsory for use on public roads? What happens if a cyclist hits a car and is culpable? Is the car driver expected to claim on his insurance?

Couldn’t agree more. 

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Just now, finlo said:

Surely his own insurance would pay out for the bikes without the courts lumping the cost on top of his fine?

although he has been ordered to pay, will he take this up with his insurance company?

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