- Should cyclists have insurance? In the Netherlands, if a motorist is involved in a crash with a cyclist, the law presumes that the motorist is liable for the crash, unless he has evidence to the contrary. In the US, the injured cyclist has the burden of proof every step of the way. http://www.bicyclelaw.com/road-rights/a.cfm/road-rights-why-we-need-cycling-insurance 10 comments bicycling
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