mattheus wrote: thirdcrank wrote:
mattheus wrote: ... If you run me over with your car, then you are at least partly to blame, due to driving down that road in a lethal vehicle. Had you cycled (or stayed at home), their would be no injury. ... .
Does that mean you believe that cycling carries no danger whatsoever for others, or that it should be overlooked when - very occasionally - somebody else is killed?
So you're suggesting bicycles are dangerous enough to need special laws to deal with them? Or that they are in the same class of danger as motorcars??
(We have speed limits for cars, and we have slightly lower ones for HGVs, but nothing for bikes; this is entirely sensible - you don't need laws to control every activity on the planet, just the dangerous ones.)
You need to have a sense of proportion with these things. or you will leap to ludicrous conclusions.
Although I feel that a lot of insurance is a bit of a con or a swizz - in that far too much is demanded to insure far too little, with reluctance to pay when due - I think a case can be made that all citizens of a nation should have basic 3rd party insurance. That is, an insurance against any event in which they are at fault in causing someone else harm or high expense.
Many already have such insurance as part of their household insurance. We have it for some specific kinds of events when members of various organisations, such as CUK, archery clubs and similar activity-oriented associations, are 3rd-party insured where there's a raised possibility of us harming someone else.
If I have no insurance and insufficient means to pay compenation should I cause harm and a court finds against me, the victim of my harm gets nothing. Moreover, if I do have means, it may be taken from me to a degree that means I can no longer support a family or fulfil other duties, thus causing more harm.
One aspect of a civil society is that it can provide mechanisms to reduce the dangers and consequences found in "a state of nature". Generalised 3rd party insurance should be very inexpensive (as it it is with household insurance) but would ensure any harm we do can at least mean the victims can be compensated with some dosh. Dosh is by no means enough, in many cases - but it's something.