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Some
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
cyclist -
(I) did not have public liability insurance cover; and/or
(II) did not possess valuable assets.
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Cycling without Public Liability cover is as silly
as driving without 3rd Party -
join Bicycle NSW for PL insurance, so that all Muggs
are better protected
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Click on:
Risk
Management
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
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Cycling with
Muggs is predicated upon notifying
Bank
Teller if you materially disagree with
any clause(s) in Muggaccinos'
"Ride Participants Liability Acknowledgment"
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