Don't worry, I'm going to carry on using ridiculous analogies until everyone admits that the presumption of liability is basically a good thing, and using a mobile phone while driving is basically a bad thing.
Think of insurance companies like a volcano full of jelly - cyclists have to decide whether or not to drop an enormously fat person into the volcano, to save the lives of a group of Italian tourists.
Don't worry, I'm going to carry on using ridiculous analogies until everyone admits that the presumption of liability is basically a good thing, and using a mobile phone while driving is basically a bad thing.
Think of insurance companies like a volcano full of jelly - cyclists have to decide whether or not to drop an enormously fat person into the volcano, to save the lives of a group of Italian tourists.