As to collision liability insurance like cars drivers are (supposed to) have (someone already brought that up in this thread, look above to see who, just so I don't get harassed for supposedly making an off topic post by someone who can't even bother to read the previous posts like has happened before.). I really wish I could buy that in my state, there is one national insurance company that is selling collision liability insurance for bicycle riders as an optional policy for those who want it just like motorcycle insurance is optional but available but sadly not yet available in my state. If it were I would gladly buy it provided it wasn't any more expensive then a car policy, plus the way they have it set-up it covers you for any bicycle you might ride and isn't sold per bike like car insurance is sold per car.