[Brando]

Quick update - looks like even though my carrier says they'll waive my deductible if I'm not at fault, I still have to pay it because I wasn't hit by another vehicle - I was hit by a bicycle. That's baloney.

So remember kids, even when a cyclist is clearly at fault - you pay. Your C&C deductible, the claim against your "uninsured motorist", and the medical claim the person will make against your insurance.