So, I got me some bike insurance 2 days ago. So what, right? It's a
sensible thing to have.
Yesterday, I left the house for a 40k ride after work. I had this
feeling that I'd forgot something, but I couldn't work it out, meh,
can't be important. After 5 minutes of riding I realise I don't have a
helmet on, so I go back and get it.
Nearing the end of my ride, close to home, it was about 730pm. I was
heading east down this quiet back street. Just ticking along, maybe
going 30. It was a little glary, the sun was on my back.
There's a little tee intersection coming up, I'm on the straight road
and have the right of way. I see a car approaching the intersection
from the side street, it slows down, rolls a little too far in to the
intersection, but no dramas. When I'm about 2 meters away from the
car, it starts accelerating towards me, I brake and swerve, they hit
the front of my bike with the front of the car, I go up the bonnet and
land on the road on my hands, elbows and knees (and toes, knees and
toes).
I was a bit in shock, the young lady was a very upset, apologetic,
said she was in a hurry, she didn't see me and the sun was in her
eyes. I didn't come out of it too bad, some grazing and a few aches
and pains. The hospital checked me out.
The real slap in the face is her father gets involved and tries to
blame the collision on me. Anyway, I've giving my statement to the
police, now I wait...
The point is, be very careful about buying bike insurance, you're just
asking for trouble. I was going to get ambulance cover, but I don't
know now... And helmets, if I didn't go back and get my helmet, I
wouldn't have been in that collision. So it's true, helmets kill. 😉