[kevin_thibedeau]

I was hit by a driver while having the right of way on a bicycle. New York has mandatory personal injury protection of $50K. Because the insurance companies don't want to fulfill their mandated obligations, there was an attempt to secure my own car insurance as the primary coverage despite not being applicable under the law.

In the end I burned through the whole $50K in medical expenses without having to pay for for somebody else's screwup out of pocket. Despite being clearly at fault, the driver was not held accountable due to systemic bias against bicyclists even when we obey the law.