Sharrows, the bicycle infrastructure that doesn’t work and nobody wants

Re:Sharrows, the bicycle infrastructure that doesn’t work an... by fnbr on Sunday December 13, 2020 @04:51PM (#25410683)

Damn, those numbers are wild. In Canada, my insurance company won’t provide less than $1m liability insurance, and the gov’t requires a minimum of $200k in coverage.

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Re:Sharrows, the bicycle infrastructure that doesn’t work an... by xrikcus on Sunday December 13, 2020 @06:55PM (#25411750)

I was confused about this for a long time. In the UK liability coverage seems to be intended to pay for the harm, so my last UK insurance had 12M GBP of cover if I remember correctly (and after that limits were removed I believe). In the US it is intended to cover your net worth so if you are sued you don't lose anything so when I first moved here and opted for $1Mn they told me I was over insured.

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Re:Sharrows, the bicycle infrastructure that doesn’t work an... by Scoundreller on Sunday December 13, 2020 @05:30PM (#25411055)

I’m unsure if anyone in the US actually has policies that go so low either.

The minimums might get thrown around a lot to convince you to help sell you under-insured insurance coverage.

But you always do need to worry about completely uninsured motorists.

Depending on your province, it’s gotten a lot harder to claim much for soft injuries or even income replacement if you’re injured in an MVA.

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