Quote:
Originally Posted by Migrant_Coconut
If somebody gets hurt and it's the driver's fault, they can be fined, sued, penalized via insurance, suspended, banned, even imprisoned - just as it should be. Cyclists don't have licenses or even liability.
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Quote:
Originally Posted by Porfiry
Of course there's liability. The difference is any damages would be paid out of your pocket, not via an insurance policy.
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Exactly - you're liable for injury or damage you cause no matter where or how you cause it. And yes, cyclists can be imprisoned too, if the circumstances warrant such a conviction. And bicycle licenses have been tried in the past and found to be not worth the cost of administering them. Neither cyclists nor pedestrians nor anyone else are above the law.
There's no such thing as "pedestrian" or "cyclist" insurance - ICBC doesn't even offer such a product. The closest they come is underinsured motorist protection - but that covers damage caused TO you by an underinsured motorist, not BY you to someone else.
However, most pedestrians and cyclists ARE covered for liability by their homeowner's or renter's insurance. If you don't have that kind of insurance then you're risking having to pay potentially big damages out of your pocket - best to think carefully about whether you want to be exposed to that.