Originally Posted by
Minnesota Expat
While I bookmarked both links for a further read. That I will read later. But it only goes to the importance of having insurance. Not the treatment from law enforcement.
Originally Posted by
FBinNY
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.
At first, that is true, about the police report. But the way you describe it. A police report is never 'entered in evidence' in court and what a police officer has to say, is just hearsay. No wonder officers' need body cameras'. Not only to catch 'dirty' beat cops. But to also backup 'clean' beat cops.
Here are a number of examples of what I am getting at:
http://isolatecyclist.bostonbiker.or...ming-cyclists/
San Francisco Police, Bicyclists Clash Over Fatal Collisions | News Fix | KQED News
Chicago jury finds for injured bicyclist ticketed by police | Bike Law
It isn't only in the U.S.
Traffic police given target to fine 10 cyclists a month | The Times
https://www.raisethehammer.org/article/1801/
Police repression of cyclists in Montreal | John S. Allen's Bicycle Blog
Originally Posted by
mconlonx
I don't get it: you "either don't drive or no longer drive," but you still have auto insurance?
For me, it works like this, if I get in an accident involving a motorist, with me riding a bike:
I get damaged. Health insurance covers, maybe auto insurance as well, both will subrogate payment and go after motorists insurance co. or motorist for reimbursement.
Bike gets damaged. Home/Apt content insurance covers, subrogates as above.
And if a claim is filed on your auto insurace? I'd rather they use their legal resources to fight such a claim than have to fight an insurance company on my own...
You missed what I said in parentheses. I don't drive.
But The rest of your answer was needed information on the insurance end, as to coverage. But it still doesn't address the law enforcement pre-determined response of finding the cyclist at fault. Instead of doing a complete investigation for any traffic violations.
Which affect a person's insurance rate.