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Old 12-08-04, 03:22 PM   #1
JoeTown244GL
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Yes, you read that right.

As a cyclist wouldn't it be great if you could purchase an insurance policy whose sole purpose was to make the life of the person that ran you down a living hell? Yes, I'd pay $5 or $10 a month if I had the peace of mind to know that in the event of my unfortunate death I could reach out from beyond the grave to screw with the idiot, careless, harassing, or drunk driver that killed me. I’d like to know as I was bleeding to death under the tires of a 1967 F-100 that a team of high priced lawyers would be parachuting onto the lawn of the local courthouse in less than 24 hours. Literally, I want skydiving lawyers with briefs prepared in-flight to hit the courthouse lawn.

Once they have stowed their chutes they do the following:
1. They would ensure that the local prosecutor took his or her job seriously and considered my death quite tragic. In fact he would consider my death tragic enough to prosecute the idiot that ran me over to the full extent of the law. In my state we can hire our own prosecutors if we feel the local boys need some help. And if they don’t like it we can have our lawyer take over the case. Thus a criminal conviction would be insured.
2. They would also argue against any attempt to plea bargain my case.
3. They would investigate the past driving history of the idiot driver beyond just running a driving history.
4. They would investigate any past verbal statements which the idiot driver may have made to his or her buddies about cyclists.
5. They would make lots of inquiries into the day to day life of the idiot driver. These would be designed to find every scrap of dirt that existed. The probing would be almost anal in nature.
6. They would act as the agent of my estate for this matter and crucify the driver in civil court by extracting the silver from their teeth and leaving his wife and children destitute.
7. They would offer to help his wife with her divorce case for free.
8. They would offer to help his children to become emancipated wards of the state.
9. They would attend all parole or probation hearings for the life of the driver to plead with the hearing officers that the driver remains incarcerated until his natural lifespan had expired.
10. They would aid the local bike club in spreading the word that if you kill a cyclist that you’ll be next on the list to be probed.
11. They would ensure all civil servants in any supporting role in the case would get appropriately “thanked.”

I know this might sound a tad bit vindictive, but as John Lennon said “Imagine.” Imagine a world where the drivers feared us. That’s the best we could hope for. While my diatribe above was an exaggeration, such an insurance plan whereby your interests are looked out for in both the criminal and civil justice system upon your demise is indeed possible. I’d really pay for that service, like I said. Anyone here own an insurance company?

Last edited by JoeTown244GL; 12-08-04 at 03:56 PM.
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Old 12-08-04, 04:53 PM   #2
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Love it
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Old 12-08-04, 05:20 PM   #3
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If I were 'chuting out of a perfectly good airplane I would hope my briefs were well-prepared.

Seriously, there needs to be more investigation into why and how automobile drivers are allowed to be on the road when they have suspended licenses, no insurance, mental conditions or are just plain stupid. The woman who ran down the kids in St Augustine, FL because they hit her SUV accidentally with a golf ball is a good example. Her defense attorney says she has mental problems. What about the idiot who runs down a cyclist because he/she is in a hurry to get to the liquor store before it closes? Or the shizzle-brain that is messing around with the radio and not paying attention? Any accident involving an automobile and a cyclist's serious injuries or death needs to be investigated as for manslaughter or attemted manslaughter. No if's, ands or buts about it.

Normally I'm a mild-mannered lady that just wants to ride my bicycle with my friends and enjoy life. JoeTown, your post is quite interesting and raises some very good points, which I agree with. Go get 'em Tiger.
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Old 12-08-04, 06:12 PM   #4
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Most of us already have such insurance. It's called "A Family".

In the event of my untimely demise from a negligent motorist, I would expect my wife to engage the services of a liability lawyer who will sue skivvies off the offender. that lawyer should do most of what you list in oder to achieve the maximum settlement from the other guy.
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Old 12-08-04, 06:23 PM   #5
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Quote:
Originally Posted by townandcountry
Seriously, there needs to be more investigation into why and how automobile drivers are allowed to be on the road when they have suspended licenses, no insurance, mental conditions or are just plain stupid.
There are already laws against driving without a valid license or with no insurance. But they don't stop a person from simply getting into a car and driving it. If they are caught they can be arrested (at least for a suspended license) but you first have to catch them.

Banning all people with some mental problem from driving would also not be practical. Given that anti-depressents are some of the most widely prescribed drugs in the US and that significant numbers of people consult with mental health professionals at some time in their lives, it would be near impossible to implement any significant program to cancel a person's license prior to them exhibiting some kind of dangerous behaviour. If you force everyone who gets some sort of mental health care to be reviewed for driving suitability, people will simply stop getting help.

As far as stupidity goes, banning stupid people from operating vehicles would shut down the entire worlds transportation system!
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Old 12-08-04, 06:49 PM   #6
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Perfect.
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Old 12-08-04, 07:15 PM   #7
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Quote:
Originally Posted by JoeTown244GL
Yes, you read that right.
Imagine a world where the drivers feared us. That’s the best we could hope for. While my diatribe above was an exaggeration, such an insurance plan whereby your interests are looked out for in both the criminal and civil justice system upon your demise is indeed possible. I’d really pay for that service, like I said. Anyone here own an insurance company?
Of course you would have to wear the company logo all the time...

Think of the benefits just as a clothing sideline...
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Old 12-08-04, 09:16 PM   #8
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Here's a suggestion. Why not have it written into your will that whomever gets your estate must do those things as a condition?
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Old 12-08-04, 09:20 PM   #9
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Quote:
Originally Posted by supcom
There are already laws against driving without a valid license or with no insurance. But they don't stop a person from simply getting into a car and driving it. If they are caught they can be arrested (at least for a suspended license) but you first have to catch them.
And second, you have to deal with a pussified legal system that seems to think a small fine is sufficient punishment for such an offence. The issue here is that the consequences of being caught are not a deterrent. People know that even if they are caught, they aren't going to suffer greatly, so it's worth the risk.

Quote:
Originally Posted by supcom
Banning all people with some mental problem from driving would also not be practical. Given that anti-depressents are some of the most widely prescribed drugs in the US and that significant numbers of people consult with mental health professionals at some time in their lives, it would be near impossible to implement any significant program to cancel a person's license prior to them exhibiting some kind of dangerous behaviour. If you force everyone who gets some sort of mental health care to be reviewed for driving suitability, people will simply stop getting help.
A much simpler idea is to simply implement some kind of test which measures people's reactions to stress and excitement in the standard testing to obtain a licence. Those who fail simply don't get one. It's all well and good being able to park on a quiet street or whatever else, but that hardly tests how someone is going to handle the daily grind of being stuck in gridlock.

Quote:
Originally Posted by supcom
As far as stupidity goes, banning stupid people from operating vehicles would shut down the entire worlds transportation system!
Now that idea's sounding better all the time.
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Old 12-08-04, 09:45 PM   #10
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I dont subscribe to the sus sue sue culture, but if a court decides to take away a persons driving licence, there should also be an automatic confiscation of the vehicle being driven when the offense took place. This would reduce the chances of that person continuing to drive without a licence, and if it wasnt their car they were driving they will also be faced with paying the owner of the vehicle.
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Old 12-08-04, 10:01 PM   #11
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We need better public transportation, so that judges, juries, and departments of motor vehicles will be more willing to deem certain motorists incompetent, and to reduce the temptation to drive with a suspended license. Well-interconnected lower-speed roads and neighborhood electric vehicles would help, as well.
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Old 12-09-04, 05:57 AM   #12
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Quote:
Originally Posted by Chris L
Here's a suggestion. Why not have it written into your will that whomever gets your estate must do those things as a condition?
I have. In my will is a provision reserving part of the payout from my accidental death insurance to hire a lawyer.
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Old 12-20-04, 12:53 PM   #13
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Quote:
Originally Posted by JoeTown244GL
Yes, you read that right.

As a cyclist wouldn't it be great if you could purchase an insurance policy whose sole purpose was to make the life of the person that ran you down a living hell? Yes, I'd pay $5 or $10 a month if I had the peace of mind to know that in the event of my unfortunate death I could reach out from beyond the grave to screw with the idiot, careless, harassing, or drunk driver that killed me. I’d like to know as I was bleeding to death under the tires of a 1967 F-100 that a team of high priced lawyers would be parachuting onto the lawn of the local courthouse in less than 24 hours. Literally, I want skydiving lawyers with briefs prepared in-flight to hit the courthouse lawn.
How long would it take for the industry to make such insurance mandatory? Then you'd have to carry proof of insurance, register your bike and have a cycling lisence.
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Old 12-20-04, 04:14 PM   #14
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How long would it take for the industry to make such insurance mandatory? Then you'd have to carry proof of insurance, register your bike and have a cycling lisence.
At first blush that sounds like a bad thing... except for the fact that it does indeed "legitimitize" bicycles on the roadway, makes auto drivers more responsible for their actions, and the license issue also fulfills the "education" aspect of Forester's mandate. Now think about this even further... currently ALL other users of public roadways must be licensed, except for the bicycle community, which now is supposed to act on the roads the same as a auto, and has all the rights and privileges ... yet they have none of the "responsibilities." So licensing will cover the training aspect, and paying a registration fee will cover some of the road use and wear aspects.

Now I really am not a fan of this idea, but as a devils' advocate in this issue... there are some really interesting aspects involved with making a bicycle as "legal" as a car. Does rather kill the whole rebel attitude though.

Of course unlicensed riders would be restricted to paths and the like, but licensed riders would have all the "supported" rights of a car.

Wonder if "johnny law" would then keep a better eye out for auto/bike traffic violators?
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Old 12-20-04, 06:10 PM   #15
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Wonder if "johnny law" would then keep a better eye out for auto/bike traffic violators?
I'd be satisfied if they'd just sweep the streets including the shoulders and bike paths once in a while.
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Old 12-20-04, 06:12 PM   #16
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At first blush that sounds like a bad thing... except for the fact that it does indeed "legitimitize" bicycles on the roadway,
I'd be concerned that it would discourage cycling. I'd hate to see "stickers" at the LBS which add tax,title, lisence and registration as well as a requirement to get insurance. i can see the state requiring title too.
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Old 12-21-04, 06:24 PM   #17
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In a lot of municipalites they do have registration programs though. They record the make, desription and serials and you get a proof of registry and a decal that is a bugger to remove. Mainly for theft...
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Old 12-23-04, 08:18 PM   #18
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Quote:
Originally Posted by JoeTown244GL
Imagine a world where the drivers feared us.
This does sound like a good idea, though it seems to assume that if a cyclist is killed (or injured) by a motorist, it's the motorist's fault. Or could be allevicated if the motorist feared hitting a cyclist more. That, in fact, is rarely the case. I'm not saying it never happens, and if the driver was drunk it likely is the motorist's fault, but in most car-bike collisions the motorist did everything they reasonably could to avoid the collision, and the cyclist was doing something like:
  • Riding on the wrong side of the road.
  • Riding on the sidewalk faster than ped speeds (4mph).
  • Riding in a crosswalk faster than ped speeds.
  • Riding at night without lights.
  • Crossing straight across an intersection from the right curb.
  • Riding too far to the right where he was not expected and not visible.
  • Running a stop sign or red light.
  • Merging into traffic without yielding first.
  • etc.

Spending your money on defensive cycling courses like LAB's Road 1 course instead of insurance premiums would probably be a better use of it.

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