257
Why is insurance not mandatory for cyclists? Well, they can't do this for a start
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this post was submitted on 31 Jul 2025
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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.
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.
You may be right, it's written more for racing bikes (human powered) than motored bikes of any kind, so covers damage and accessories and loss of use.
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.
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.
I'm willing to bet that most cyclists crashes cost the cyclist more (i.e. to fix/replace their own bike) than the damage they caused to other things. LOL
And that likely holds true even if the bike in question is the crappiest old piece of trash.