forms of cycling are dangerous.
An ave of 36 Australian
cyclists have been killed annually since 2000.
95% of these fatalities occur on the road.
Other cyclists in Australia break bones and incur nerve
impairment from falling off their bikes in accidents.
A cyclist could fall from his/her bike, inter alia,
due to -
(i) being hit by a car or another cyclist; or
(ii) encountering a pothole;
(iii) cycling too fast on a wet downhill where the
coefficient of friction is much less, particularly at corners; or
(iv) getting their bicycle wheel caught in a gap in a timber bridge.
A negligent cyclist could -
(a) be litigated by a seriously injured cyclist, or 3rd party (ie. a
woman pushing a pram on a footpath or a car driver) under common law
where the damages could exceed $500,000; and
(b) lose his/her home if he/she did not have public liability
insurance which covers their negligence whilst on a push bike.
A negligent cyclist who did not have personal injury
insurance (ie self-employed without income protection cover) could
struggle to meet regular outgo commitments.
A seriously injured cyclist could be awarded damages
which a negligent cyclist could not afford to pay if the negligent
(I) did not have public liability insurance cover; and/or
(II) did not possess valuable assets.
without Public Liability cover is as silly as driving without 3rd Party -
join Bike NSW for PL insurance, so that all Muggs are better protected
which warns of 'inter alia', the dangers of cycling on
public roads with motor cars,
potholes and over bridges with vertical timber
planks with gaps
Muggs is predicated upon notifying
Bank Teller if you
materially disagree with any clause(s) in Muggaccinos'
"Ride Participants Liability Acknowledgment"