I parked my car after returning home from work, it was dark, opened my car door to find a cyclist run into my car door, no lights or florescent gear on, which is why I didn't see him when I checked my door mirror prior to opening my door.
My car door was buckled from the impact and the cyclist was hurt, it was classed as an RTA despite me being stationary, plus the cyclist braking the law by cycling with no lights etc.
The first thing the cyclist mentioned was claiming againts my insurance, for the damage to his bike and also for loss of earnings for being out of work whilst his hand mended....
I was interviewed by the police and when it was clear that this was the cyclists fault, the police agreed, I asked about claiming against his insurance fir the damage to my car, loan car whilst mine is being repaired, the cyclist soon changed his tune and quickly dropped all motion of possible claims against my insurance, just goes to show in my case it was a one way insurance claim, cyclist against me, no care for wanting to repair the damage he caused to my car, as he had no insurance cover, but was more than willing to claim against me.
I am in favor of compulsory insurance for ANY thing using the public highway, so that any eventually is covered, after all why should the motorists be liable for claims from cyclists but not the other way around.
I'm also in favor of compulsory identification for cyclists, like all other highway vehicles have to comply with, why one rule for one, but not another, you want to use the road, you follow the rules that the rest of us have no option in following, which is identification and insurance at a minimum.