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Risk
Warning
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Take
Care descending to Illawong Bay. About 1.5km past Cottage Point Rd
is a hard RH switch-back, known as The Wall, which has claimed
several cyclists, including Siggy, so take that hard right-hander slowly,
particularly if the road is damp
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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