Review your policy with your agent in case there is an at-fault accident caused by one of your family members.

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But they said that they don't feel that the man should be prosecuted and that he acted responsibly, that the accident was not his fault.

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Under the new rules, drivers already licensed could have to take an advanced driving test if they are the subject of complaints or have an accident that was their fault.

BBC: Northampton

"If you are a cyclist and you are involved in an accident and you are at fault for causing it you could be sued for damages, " he says.

BBC: Cyclists 'urged to get insurance'

"We continue to have serious concerns as to the long-term impact it may have on the motoring consumer and their right to mobility after an accident that was not their fault, " he said.

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The young actor Joseph Gordon-Levitt, who looks a little like Keanu Reeves, only smarter, is Chris Pratt, a Midwestern high-school jock and rich kid who hurt his head in a car accident (it was his fault) and now suffers from short-term-memory loss.

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Ronald Walker QC, for the defendants, said Charlotte's death was the result of a "tragic accident" and was not the fault of the school or the teacher.

BBC: Charlotte Shaw

He says cyclists often underestimate the risks they face when they are on the roads, in particular if they are in an accident where they are found to be at fault themselves.

BBC: Cyclists 'urged to get insurance'

By contrast, almost no one could afford outright the medical bills of a serious hit-and-run car accident, or a long-term illness brought about through no fault of your own.

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