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You know how it is, you've just survived another ride to work and want to scream at someone.... Let me start it off.
On my way to work this morning I happened upon an unhappy cyclist and a small car, having collided when car turned right (as opposed to left for a change) across gap in slow moving traffic, not looking for cyclist. I stopped to check cyclist was ok and that he was remembering to do all the things you should in these circumstances. He was ok, battered and bruised but bike was in need of surgery. He asked me if insurance would cover the damage. I said yes, this lady's insurance will pay out ie. the driver of the vehicle that hit him. She said "Why?" WHY??????????? Because you knocked him off his bike, he's injured and his bike is broken. Does insurance not apply simply because it was a cyclist you hit and not another car???? I also said they must call the police.
Personally, I think we should always report collisions and accidents to the police, then there's a chance that court action will result (careless/dangerous driving) and one day, perhaps one day, drivers will learn to be a bit more careful.