Kenzo wrote:diggler wrote:Kenzo wrote:Bicycle insurance - specifically damage caused by a bicycle to person or property is covered under a person's general contents insurance - no special insurance required - none at all. It's called public liability. Same if you drop your mobile phone off a bridge and it hits/injures someone below or smashes through a car window causing a freeway pile-up - it is covered by your contents insurance should they claim against you... within limits of course - up to 10 or 20 million dollars.
However - cover for the damage to the bicycle itself is hard to find at a reasonable price.
This is the issue here - not the damage to the third party.
I'm a little confused by this. Are you suing against the motorists public liability insurance?
No - you would be suing against the motorists Compulsory Third Party Insurance for the injury... and trying to claim against the car driver's *general car insurance for the damage to the bikesdiggler wrote:I don't have public liability insurance so you can't assume everybody does.
Then you sir or ma'am - are taking an incalculable risk on your lifestyle, your family's lifestyle and the life of anyone you may injure - especially if you cause a permanent disability to the person you hurt. Just either get contents insurance OR join BNSW, Bicycle Vic or BQ or whatever org in your state - liability is included .. that's all it takes...
*general = either Comprehensive Insurance or Third Party Property Insurance. If the car driver has no insurance whatsoever - then a heap of lawyers get involved if the driver wants to fight it.
You are 100% correct. The damage to the bike is claimed under the third party property damage / comprehensive policy for the driver. However, the fact that he is trying to deny responsibility suggests either he doesn't want to pay the excess or doesn't have the insurance. Surely the excess would have been used up in the damage to dad's bike. The public liability insurance usually does not cover motor vehicle accidents.
By the way, my home contents does cover my random acts of negligence, so everyone can rest easier now.