Originally Posted by
Chris0516
All of that is correct from the usual perspective. But I am referring to the hostility of law enforcement towards bikers/cyclists' being on the road. Automatically(or almost automatically) finding fault with the biker/cyclist. Even if the motorist was really at fault. Resulting in an increase in the insurance rate for the personal policy.
You base your assumptions on unproven and inaccurate facts.
First of all, the police report isn't binding on anybody as it's based on nothing but what was reported to the officer who wrote it. About the only useful info would be the names and addresses of the involved parties and hopefully any eyewitnesses. Rarely, it might include some verifiable factual data, such as skid marks, or an accurate(?) physical description of the damage and reported injuries. So, given that it's mostly hearsay, the courts tend to give it minimal weight.
As for the assumptions that bicycle events drive up the cost of non-auto policies, consider that the totality of bike accidents isn't enough in the scheme of things to affect anything.