Presumably with cyclists insurance, you get penalised (with higher premiums in the future) for someone else hitting you, rather than (hopefully) the other drivers' insurance taking the brunt of it. Moreso as cyclists aren't a large proportion of most cities (and I say this as a cyclist who commutes every day including city traffic, except when the road is fully icy).
>>Presumably with cyclists insurance, you get penalised (with higher premiums in the future) for someone else hitting you, rather than (hopefully) the other drivers' insurance taking the brunt of it.
It works the same as your car insurance - your insurer will pursue the other party and make their insurance pay.
Regardless, even your own car insurance will go up in premiums if you have ever been in an accident, even if it 100% wasn't your fault. It's just how it works, sadly.
