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		Risk 
		Warning 
		
		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. 
Ø  
  
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 
Ø  
  
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 
Ø  
  
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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