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dcdriver, I carried car insurance up until about a year ago, and carry life insurance, health insurance, dental and vision insurance, long-term care insurance, standard homeowner's insurance, and a landlord homeowner's insurance policy currently. I know for a fact that my homeowner's policy with umbrella liability would cover me if I managed to cause a car accident on a bike (or otherwise damage a car), and my health insurance would pay for my rehabilitation. I ALSO know that my life and homeowner's companies asked me if I did anything dangerous, including riding a motorcycle. If riding a motorcycle is dangerous enough to drive up my premiums, with a stellar driving record (every collision, all 2 of them, I've been in in a car in the last 13 years has been the other driver's fault), then I'm certain that a biker's liability policy that would also pay out if a driver bumped my bike tire, causing me to crash, and drove off, would be hella expensive. My homeowner's rates nearly doubled after a burglary, even though I installed window bars, a security system, and got a non-vicious dog (though he barks a lot). Even though I'm part of the 2M+ riders of CaBi who have taken trips without having an accident, absent the 2 tons of steel protecting me from the other 2 ton steel vehicles on the road, I'm certain I'm considered a "risk" to insurance companies who might be put on the hook for my injuries at the hands of unscrupulous drivers.

I have also had many run-ins with terrible drivers committing illegal acts while driving, walking, and biking. Based on these experiences, with 20/15 vision (thank you, LASIK), I find it hard to believe that you're going to get anything smaller than a standard license plate number and general description if someone chooses to ride off. I have been in situations where drivers were harassing me, (as a fellow driver for driving harassment - so sorry for only going 10 over the speed limit - and as a pedestrian for sexual harassment) and still couldn't get their plate number.

by Ms. D on Jun 7, 2012 11:58 pm • link • report

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