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Why is insurance not mandatory for cyclists? Well, they can't do this for a start (files.catbox.moe)
submitted 1 year ago by to c/fuckcars@lemmy.world
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[–] 9 points 1 year ago (6 children)

I feel like most bike related crashes (not involving cars) are damage to the individual and not to property. Maybe to their bike, or minor damage elsewhere. If that's the case I would imagine medical insurance would be enough. I guess there are some really fancy bikes you might want to insure but you're right it's prob not worth the admin cost for even a 2 or 3k bike.

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  • [–] 10 points 1 year ago (3 children)

    Exactly. You don't hear about bikes crashing through buildings and store fronts. Or knocking down road signs. Or power lines. Or bus stop shelters.

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  • [–] 3 points 1 year ago (2 children)

    Yeah, apart from medical costs, the worst a cyclist can do is maybe smash a window of a parked car. The maximum amount of property damage is maybe a few 1000. Nothing that an average person can't pay off within a reasonable time frame.

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  • [–] 3 points 1 year ago (1 child)

    I put it higher up, but the cost to insure my USD2k bike is $25 per year. That covers theft, accident damage, liability, I keep it as theft insurance and very sure its worth it.

    Insurance is gambling, and the house always wins, right? 24 of that $25 is probably theft insurance, the chance of injuring someone else on the ebike is not zero but so low it's immaterial.

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