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Protocol, Insurance and Sundaries after a bike to bike crash

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Protocol, Insurance and Sundaries after a bike to bike crash

Old 03-17-16, 07:15 AM
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Protocol, Insurance and Sundaries after a bike to bike crash

So I've been riding MUPs a lot and sooner or later I'm going to be involved in a crash at least as a witness.

I know what to do in a car crash, but a bike crash? I could imagine there would be a lot more bodily injury in a car crash and some bikes can be almost expensive as a car.

Is it as simple as they are considered vehicles like cars?

If someone decides to leave the scene without exchanging information what can you do? you cant exactly ask them to turn over their bike whilst you write down its serial number ...
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Old 03-17-16, 07:33 AM
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Originally Posted by Inpd
So I've been riding MUPs a lot...
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Old 03-17-16, 07:34 AM
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I would ride on the road and leave the mups to leisure riders.

Unless you can prove negligence in a court, you're responsible repair/replacement of your equipment as well as any medical costs you incur.
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Old 03-17-16, 08:03 AM
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It depends. There are special rules that apply if you hit a little girl on an MUP.
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Old 03-17-16, 08:06 AM
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Originally Posted by canuckcicle
I would ride on the road and leave the mups to leisure riders.

Unless you can prove negligence in a court, you're responsible repair/replacement of your equipment as well as any medical costs you incur.
So what you list is for a MUP right?

On the road what happens?
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Old 03-17-16, 08:58 AM
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On the road or on the MUP, if you can't prove to a court that it was someone else's fault, you fix or replace it yourself.
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Old 03-17-16, 09:06 AM
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Sorry, what's a MUP?
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Old 03-17-16, 09:14 AM
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Road is very different traffic laws apply and you're now a vehicle. If you're not at fault and are not in a "no fault" jurisdiction you can make a claim against the drivers insurance company for all property loss, suffering, and rehabilitation. If you're in a "no fault" jurisdiction as I am you can make a claim against your car insurance for property loss and rehabilitation if you have auto insurance.
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Old 03-17-16, 09:24 AM
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Originally Posted by Vinnems
Sorry, what's a MUP?
MUP = "Multi-Use Path" used by pedestrians, joggers, cyclists, skateboarders, roller blades, and other non-motorized traffic. Can be a Hot Mess with the wide variety of speeds and attention to surroundings.
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Old 03-17-16, 09:31 AM
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Originally Posted by Inpd
So I've been riding MUPs a lot and sooner or later I'm going to be involved in a crash at least as a witness.

I know what to do in a car crash, but a bike crash? I could imagine there would be a lot more bodily injury in a car crash and some bikes can be almost expensive as a car.

Is it as simple as they are considered vehicles like cars?

If someone decides to leave the scene without exchanging information what can you do? you cant exactly ask them to turn over their bike whilst you write down its serial number ...
Bikes are in no way considered “vehicles like cars”.

Insurance is required on cars because a car has the potential to cause hundreds of thousands of dollars in damage and the potential to kill many people.

You do not need a license, registration, or insurance to operate a bicycle.

A bicycle doesn’t weigh in above 2000 pounds and doesn’t move at speeds of 75mph.

Having a bike accident on a MUP is treated no differently than two joggers colliding.

Your injuries are paid by your medical insurance just like if you sprained your ankle playing basketball. If it is an organized group ride and the group has insurance, you can make a claim through the group.

If you are riding a bike that you couldn’t afford to replace in the case of a crash, you have serious financial problems.
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Old 03-17-16, 09:57 AM
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Originally Posted by 69chevy
Bikes are in no way considered “vehicles like cars”.
The term "vehicle" was invented specifically for bicycles.
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Old 03-17-16, 09:59 AM
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Originally Posted by indyfabz
There are special rules that apply if you hit a little girl on an MUP.
Unless you wave first or had previously offered road-side assistance to someone with a flat.
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Old 03-17-16, 10:04 AM
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Originally Posted by kc0bbq
The term "vehicle" was invented specifically for bicycles.
And the term "vehicles like cars" is still not accurate.

Thanks.
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Old 03-17-16, 10:07 AM
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Originally Posted by Inpd
So I've been riding MUPs a lot and sooner or later I'm going to be involved in a crash at least as a witness.
I've intentionally refrained from posting on Inpd posts. But this one... I couldn't resist.
The first sentence alone is a fallacy Many people have been using the MUPs around this country without incident.
Exchange what kind of information? Insurance? People aren't required to carry insurance for bicycles, strollers or even waling on a MUP.
@Inpd, do you spend your free time thinking about all those inane questions to come post here? At least some of your most recent posts were valid questions and believable but for Pete's sake go ride more and think less.

Last edited by BillyD; 03-18-16 at 07:49 AM.
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Old 03-17-16, 10:22 AM
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Originally Posted by TheRef
I've intentionally refrained from posting on Inpd posts. But these one... I couldn't resist.
Your first instinct was correct. You'll regret this post. It's like a part of your life wasted that you'll never get back.
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Old 03-17-16, 10:47 AM
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Originally Posted by 69chevy
Bikes are in no way considered “vehicles like cars”.

Insurance is required on cars because a car has the potential to cause hundreds of thousands of dollars in damage and the potential to kill many people.

You do not need a license, registration, or insurance to operate a bicycle.

A bicycle doesn’t weigh in above 2000 pounds and doesn’t move at speeds of 75mph.

Having a bike accident on a MUP is treated no differently than two joggers colliding.

Your injuries are paid by your medical insurance just like if you sprained your ankle playing basketball. If it is an organized group ride and the group has insurance, you can make a claim through the group.

If you are riding a bike that you couldn’t afford to replace in the case of a crash, you have serious financial problems.
I respectfully disagree with you on some of your points.

First, drivers are insured, not vehicles. The rate may be determined by the vehicle being driven, but it is the driver who is the insured.

Second, regarding medical bills . . . it depends. In my case, when I was riding my bicycle and struck by an uninsured motorist (in a truck), my auto insurance policy covered my medical costs and replacement cost of my bike. My medical insurance didn't pay a dime. Why? Because I am the insured.

Lastly, while you are entitled to your opinion that one should not be riding a bicycle that they cannot afford to replace in a crash, please understand that is not only an insensitive opinion to hold, but also a bit ridiculous. While I might have enough in savings to replace my most expensive bike, I might not want to blow my savings like that. Some folks here save up for years to buy a nice bike because it's something they enjoy, and would not be in a financial position to replace it right away. That doesn't mean they should be riding $50 walmart bikes. Also, it's not unheard of for folks to have multiple bike accidents; it's unrealistic to expect everyone to have enough money on hand to replace every bicycle with another new one ad infinitum. I'm not trying to change your opinion . . . I'm merely pointing out that there are other perspectives that you may not have considered.
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Old 03-17-16, 10:54 AM
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Originally Posted by TheRef
@Inpd, do you spend your free time thinking about all those inane questions to come post here? At least some of your most recent posts were valid questions and believable but for Pete's sake go ride more and think less.
He asked valid questions?!?! The world has truly gone topsy turvy.

And don't you know he already rides, like, 10,000/year?
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Old 03-17-16, 11:06 AM
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There's no specific civil law for bicycles like there is for cars. No license, no mandatory insurance, etc.

However the same basic civil laws apply as any other situation where one person causes damage or injury to another. An ethical person will identify himself, and compensate his victim for their loss. An unethical person will try to evade responsibility, or refuse to pay, and may need to be brought into court to get satisfaction.

So, use common sense and do what you can under the circumstances, get a name, address and phone number (if you have a cell phone, call each other while standing face to face to record the correct numbers), take photos, get witness info, take photos if possible, etc. If there's serious injury, ie. an ambulance is needed, make sure to get a police report to record the facts for the record. (Police reports can be inaccurate on the facts, but a least are evidence that something happened, and are usually good about ID data).

-----------

BTW - one thing that's often neglected after an accident with injury is the bicycle itself. Unless asked (and sometimes even if asked) neither the police, nor the transport will take charge of the bicycle. Some time back, I was among the first on scene of a bicycle crash. After giving first aid and turning the patient over to EMS, I asked the police about the bike. They wouldn't take charge of it, but a witness with a van was nice enough to take me and the bicycle to my house (he didn't want to be responsible either), so I gave the info to the police, and took the bike home, where the victim was very happy to retrieve it a few weeks later.
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Old 03-17-16, 11:13 AM
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Originally Posted by RNAV
I respectfully disagree with you on some of your points.

First, drivers are insured, not vehicles.
He's more correct than you are but neither is completely right. Your insurance covers your cars. Some of your policy may cover you driving another vehicle and some may cover others driving your car. Do a google search and find out the specifics.
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Old 03-17-16, 11:16 AM
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Originally Posted by StanSeven
He's more correct than you are but neither is completely right. Your insurance covers your cars. Some of your policy may cover you driving another vehicle and some may cover others driving your car. Do a google search and find out the specifics.
Yes, though it may depend on the state, auto insurance is attached to the car, not the driver (unless there's a "drive another car" clause). You don''t need insurance to drive, you need it to put a car on the road.
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Old 03-17-16, 11:17 AM
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Originally Posted by TheRef
... but for Pete's sake go ride more and think less.
That might already be the problem...
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Old 03-17-16, 11:48 AM
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Okay I'll bite since this exact scenario happened to me this past October. I was in a small park that I had ridden in many many times. I used it as a convenient shortcut to go east to west (and vice versa) on my routes. The short version...I got broadsided by a foolish cyclist on the wrong side of the path around a blind corner. I ended up with $300 damage (front wheel and large chain ring) to my bike and a big welt on my leg. She was unharmed and her bike was okay. When I mentioned there was going to be some cost to repair my bike all I got was a blank stare. Unless she was going to volunteer to pay me there was little I could do. Maybe take her to small claims court? However, there were no witnesses. For the cost to replace the parts and repair my bike it didn't seem worth the hassle. Sometimes you're in the wrong place at the wrong time and you just have to eat it. I now stay out of that park and the few times I do go on a MUP I'm even more careful around corners.
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Old 03-17-16, 12:49 PM
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Originally Posted by RNAV
That doesn't mean they should be riding $50 walmart bikes. Also, it's not unheard of for folks to have multiple bike accidents; it's unrealistic to expect everyone to have enough money on hand to replace every bicycle with another new one ad infinitum. I'm not trying to change your opinion . . . I'm merely pointing out that there are other perspectives that you may not have considered.
I don't believe I said people should be riding $50 Walmart bikes...

My point is that accidents happen. Animals run out in front of cyclists. Gravel/oil/water ends up on roads.

Riding a bike that you can't afford to replace is foolish. Period.
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Old 03-17-16, 12:57 PM
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Originally Posted by 69chevy
.....

Riding a bike that you can't afford to replace is foolish. Period.
It's neither foolish, nor ideal. It's just reality. Most of us own things we can't replace, and maybe can't insure. We can often save up and buy something, but we shouldn't have to save up double before buying and enjoying it.

Stuff happen and we sometimes have to take our lumps. It has nothing to do with right or wrong, fair or unfair, it just happens. By the same token, Americans tend to believe that everything that happens is because of some error, and someone should have to compensate those who suffer losses. Life doesn't work that way, we can only try to manage and contain risks, and accept our fate when lady luck turns against us.
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Old 03-17-16, 01:28 PM
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Originally Posted by indyfabz
He asked valid questions?!?!
If so, it was truly by accident
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