On another thread, someone recommended carrying some other form of ID besides one's drivers license when riding. The reason given was that if stopped and cited, you might not avoid a fine, but you could avoid having a violation on your record.
Now here's my question. I know if a police officer asks to see identification, I'm required to show it. I know if a police offiicer asks me my name, I'm required to give it. But if a police officer asks me if I have a driver's license (and I have not been operating a motor vehicle) do I have to answer the question?
Personally I think it's bogus that bike violations go on my driving record and can cause my auto insurance to go up, especially considering that my insurer has no stake in the matter while I'm on my bike.
Don't get me wrong. I'm all for cyclists obeying traffic laws, and being fined when they don't. However there is a fundamental difference between cycling and operating a motor vehicle in that my carelessness will generally only bring harm to myself while the carelessness of cagers will result in others getting killed or injured as well. When was the last time you heard of a family being wiped out after being hit by a Cannoindale at 20mph?