AAAAARRGGGG.... When are you all going to get it. You're riding a bike that is NOT STREET LEGAL. You understand that. You make that choice of your own free will. The consequences are that (1) you're stopping distance will be longer than a bike with a decent front brake. And (2) you may well be denied any insurance claims if you are involved in an accident.

I know you can all skid to a stop. So what? You throw your weight forward to unload the rear wheel so you can stop the cranks. Then, maybe you shift weight back on the rear tire. But, all that takes time and distance especially if you are seated at the time you need to really clamp down in a hurry.

Bottom line is you opened the door to have the claim denied. It may well be the car owner’s fault, but the adjuster or the judge didn’t see it happen. Nor do they know what an unbiased honest witness you are. You caused the doubt. If I were the judge, the most I would give you is 50% of the damages, because you and the car share responsibility. But quick, throw on a brake so you can lie about what happened. Then, go back to looking cool when the smoke clears.