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Quizzes > Quizzes for Business > Finance

Test Your Skills: Cycling Safety and Insurance Quiz

Assess Your Bicycle Safety and Insurance Knowledge

Difficulty: Moderate
Questions: 20
Learning OutcomesStudy Material
Colorful paper art depicting a bicycle, helmet, and insurance policy for a safety quiz

Ready to gear up and test your mettle? This Cycling Safety and Insurance Quiz is designed for cyclists, safety educators, and insurance pros aiming to master helmet laws, risk prevention, and insurance coverage nuances. With 15 multiple-choice questions, you can try out scenarios, see instant feedback, and customize the quiz freely in our editor. When you're done, dive into the Cycling Network Trivia Quiz or challenge yourself with the Insurance Knowledge Quiz, or browse all quizzes for more learning fun.

What is the primary function of wearing a helmet while cycling?
Increase aerodynamic efficiency
Protect head from injuries
Reduce wind resistance
Improve comfort on the saddle
Wearing a helmet is primarily to protect the head and reduce risk of serious injury in a crash. Helmets absorb and distribute impact energy to protect brain tissue.
Which hand signal indicates a left turn for a cyclist?
Right arm bent upward at elbow
Left arm extended horizontally
Right arm extended horizontally
Left arm bent downward at elbow
The standard left turn signal is a cyclist extending their left arm straight out horizontally. This signals to other road users the intention to turn left.
What reflective equipment must a cyclist have on the rear of their bicycle when riding at night?
Yellow front reflector
White rear light
Red rear reflector or red light
Green side reflector
Regulations typically require a red rear reflector or red rear light to be visible from behind at night. This helps drivers see the bicycle in low-light conditions.
During a pre-ride safety check, which components should a cyclist inspect for safe operation?
Helmet, water bottle, pump
Brakes, tires, chain
Sunglasses, gloves, bell
Shoes, saddle height, gloves
A proper pre-ride inspection focuses on mechanical safety: ensuring brakes work, tires are inflated, and the chain is lubricated. These components are critical for maintaining control and preventing mechanical failures.
Which type of insurance coverage pays for a cyclist's medical bills if they are injured in an accident?
Liability coverage
Collision coverage
Personal accident/medical payments coverage
Comprehensive coverage
Personal accident or medical payments coverage specifically covers medical expenses for injuries sustained by the insured cyclist. Liability and collision cover other parties or property damage.
What is the term for an accident where a cyclist collides with a car door suddenly opened in their path?
Side-swipe
Dooring
Right-hook
Head-on collision
Dooring occurs when a parked vehicle's door opens into a cyclist's path, causing a collision. Cyclists are advised to ride outside the "door zone" to avoid this hazard.
To reduce the risk of a "right-hook" collision, a cyclist should:
Ride on the far right edge of the lane
Maintain a position outside the driver's blind spot and take the lane when turning
Signal only after beginning the turn
Pass vehicles on the right side at intersections
Taking the lane and positioning outside the blind spot encourages drivers to see the cyclist and yield when making right turns. Early signaling and assertive positioning reduce the chance of a right-hook.
Which type of insurance coverage applies to damage to a cyclist's own bicycle resulting from a crash?
Liability coverage
Collision coverage
Personal accident coverage
Uninsured motorist coverage
Collision coverage pays for damage to the cyclist's bicycle after a crash, regardless of who is at fault. Liability covers damage to others, not the insured's own property.
What is the first step a cyclist should take when filing an insurance claim after an accident?
Submit repair invoices
Contact the insurance provider to report the claim
Schedule a court hearing
Replace the bicycle immediately
Notifying the insurer promptly initiates the claims process and ensures compliance with policy requirements. Early communication helps speed up claim evaluation and settlement.
Which document is least relevant when supporting a bicycle insurance claim after a collision?
Repair estimates from a bike shop
Purchase receipt for the bicycle
A doctor's note for an unrelated minor cold
Police accident report
Supporting documents such as repair estimates, receipts, and official accident reports are relevant to a claim. A note for a minor cold unrelated to the accident does not substantiate damage or injury from the incident.
Which of the following is NOT a benefit of pre-planned cycling routes?
Avoiding heavy traffic
Identifying hazardous intersections
Minimizing steep gradients
Guaranteeing maintenance-free roads
Route planning helps cyclists identify safer roads, avoid steep climbs, and plan around dangerous intersections. However, it cannot guarantee road maintenance conditions since these can change unexpectedly.
Which risk management practice enhances a cyclist's visibility during dusk?
Wearing dark-colored clothing
Using blinking front and rear lights
Relying on street lighting alone
Removing reflectors to reduce glare
Blinking front and rear lights significantly improve a cyclist's visibility to drivers in low-light conditions. Dark clothing reduces visibility, and removing reflectors hinders detection by other road users.
If a cyclist is hit by an uninsured motorist, which coverage will help pay for the cyclist's damages?
Liability coverage
Uninsured motorist coverage
Collision coverage
Comprehensive coverage
Uninsured motorist coverage compensates the insured cyclist for injuries or damages caused by a driver who lacks liability insurance. Liability and collision cover different scenarios.
What visual scanning pattern is recommended for cyclists to detect road hazards ahead?
Focus only on the road immediately in front of the wheel
Scan a 1-second look-ahead window
Maintain a 12-second look-ahead scanning pattern
Keep eyes fixed on the horizon at all times
A 12-second look-ahead scanning pattern gives cyclists enough time to detect and react to hazards. Focusing too near or fixing gaze on the horizon reduces situational awareness.
When riding in heavy rain, which tactic reduces accident risk for cyclists?
Increase speed to avoid puddles
Brake sharply to test grip
Maintain a larger following distance and reduce speed
Ride close behind vehicles to stay in their wake
Slowing down and increasing following distance allow more reaction time and prevent skidding on wet surfaces. Braking sharply or riding in the wake of vehicles increases the risk of accidents.
A bicycle insurance policy requires cyclists to use lights at night as a policy condition. If a claim is denied due to lack of lights, what contractual concept explains the denial?
Subrogation
Indemnity
Breach of warranty
Endorsement
A breach of warranty occurs when a policyholder fails to meet a specific condition stipulated in the insurance contract, such as using lights at night. Insurers may deny claims if such warranties are violated.
After a cyclist's insurer pays medical expenses under uninsured motorist coverage, the insurer then seeks reimbursement from the at-fault driver's insurer. This process is known as:
Endorsement
Subrogation
Underwriting
Cancellation
Subrogation allows an insurer to recover funds from a third party responsible for the loss after compensating the insured. It prevents double recovery by the policyholder.
In a dooring incident, analysis shows the cyclist was riding within one foot of parked cars. Which prevention strategy would most effectively mitigate this risk?
Ride at least three feet away from parked vehicles
Stop signaling turns to avoid confusing drivers
Ride faster to clear the door zone quickly
Wear brighter clothing instead of changing position
Maintaining a buffer of at least three feet from parked cars places cyclists outside the door zone and reduces the chance of collision with an opening door. Speed and clothing changes do not address physical door sweep.
After an insurer denies a valid bicycle insurance claim, which is the most appropriate next step for the policyholder?
Accept the decision without question
File an appeal with the insurer's internal review process
Immediately sue the insurance company
Cancel the policy and switch providers
Initiating an appeal or internal dispute resolution allows the policyholder to present additional evidence and potentially reverse the denial. Suing should be a last resort after exhausting internal procedures.
Which risk assessment tool plots the probability of occurrence against potential severity to aid cyclists in prioritizing hazards?
Event tree analysis
Fault tree analysis
Risk matrix
Hazard log
A risk matrix is a graphical tool that places risks on a chart based on their likelihood and impact, helping cyclists focus on hazards that pose the highest combined risk. Other tools serve different analytical purposes.
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Learning Outcomes

  1. Identify key cycling safety regulations and guidelines
  2. Analyse common accident scenarios and prevention strategies
  3. Evaluate insurance coverage types for cyclists
  4. Apply steps to file a bicycle insurance claim
  5. Demonstrate best practices for road hazard awareness
  6. Master risk management techniques for safe cycling

Cheat Sheet

  1. Master the Rules of the Road - Think of traffic signals, lane choice, and cyclist hand signals as your secret code to blend in with cars like a two-wheeled ninja. Always ride with traffic flow and stick to the rightmost lane unless you're passing or making a turn. League of American Bicyclists: Rules of the Road
  2. Protect Your Dome - A properly fitted helmet is your best buddy when adventure turns into a surprise spill. It can absorb impact and keep you safe, so make sure it sits level on your head with straps snug under your chin. NHTSA Bicycle Safety
  3. Know Your Helmet Laws - Every city has its own helmet rules, especially for younger riders. Brush up on local regulations so you can pedal with peace of mind - and avoid a ticket that could deflate your fun. Wikipedia: Bicycle Helmet Laws
  4. Practice Defensive Cycling - Think like a goalie: always anticipate others' moves on the road. Scan for opening car doors, sudden turns, or that jaywalker - you'll react faster if you see hazards coming. NHTSA Bicycle Safety
  5. Boost Your Visibility - Bright clothing, reflective gear, and front/rear lights turn you into a rolling beacon during dawn, dusk, or surprise rainstorms. When drivers see you early, they'll give you plenty of space. City of Madison Smart Rules
  6. Respect the 3-Feet Law - Give cars a polite nudge: demand at least three feet of buffer when they pass. This invisible safety bubble keeps you comfy and reminds drivers you deserve room on the road. Wikipedia: 3-Feet Law
  7. Explore Your Insurance Options - From homeowners and renters policies to specialty bike plans, there's coverage for every rider. Understand what's included so you can claim repairs or replacements without breaking the bank. Insurance Information Institute
  8. File Claims Like a Pro - If your ride takes an unexpected turn, document everything with photos, police reports, and contact info. Quick, organized action helps you get your bike - or its value - back faster. Insurance Information Institute
  9. Keep Your Bike Tuned Up - A squeaky chain or loose bolts can turn a chill ride into a surprise breakdown. Weekly inspections and basic maintenance keep your wheels spinning happily. City of Madison Smart Rules
  10. Stay Alert, Ditch Distractions - Save the tunes and texts for later - your eyes and ears belong on the road. Focusing fully boosts your reaction time and turns every ride into a confident, safe journey. City of Madison Smart Rules
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