Wed 1 May 2013
For some time now, I have been in favour of a law of Strict Liability. This defines who is liable when collisions occur on the roads. So I was pleased to learn that a Peebles lawyer, Brenda Mitchell, had started a campaign for Strict Liability called Road Share. This is a very welcome move, Brenda has done a lot of research on this issue and makes a very clear case for including Strict Liability as part of our civil law, in the same way as the majority of European countries have done (see map below).
Why it is that Scotland hasn’t made this change yet is unclear, it is not as if the concept of strict liability does not already exist under Scots law, as it underpins much of the Health and Safety legislation. For example, if you are felling a tree with a chainsaw, and a third party walks into the line of fall of the tree, it is the person operating the chainsaw that is held to be liable if there is injury to the third party. Likewise, if you fire a firearm, you are automatically held liable under civil law if you hit someone accidentally, and liable under the criminal law if you shoot them deliberately. This is an important distinction and one that is often missed by critics of Strict Liability. This new campaign to apply the principles of strict liability to road traffic collisions is about changing the civil law code, not the criminal law, where the central principle is (and will remain) that the accused will remain innocent until proven guilty. Strict liability is solely about who has the greater duty of care, and that should clearly be the person who is in the position to do the most harm.
Taking the firearm analogy above, we allow people to own and use firearms strictly under licence, because firearms are fundamentally dangerous. Similarly, we only permit motor vehicles to be driven on the public highway under licence because motor vehicles are fundamentally dangerous: a moment’s inattention can be fatal, and not necessarily only to the driver. For this reason, any suggestion that pedestrians or cyclists owe a duty of care to motorists is absurd, as in the event of a car hitting a pedestrian, the driver is very rarely, if ever, the one that is hurt.
Similarly, a case can be made that cyclists do owe a duty of care to pedestrians, and this would be covered as part of the hierarchy of strict liability. This, however, would not lead to the need for cyclists to take out compulsory third party insurance. Many cyclists already have third party insurance (although they might not realise it), in my case it is bundled in with my household insurance. The thing about insurance is that it is priced according to risk, with riding a bicycle for transport or leisure being a low risk activity such for causing harm to others (sports cycling maybe excluded). As the risk of a claim is so low for the insurance companies, they feel that they can bundle it in with other insurance packages for free, as incentive to buy. This is not the case with motoring insurance, where premiums are higher because the risk of a claim is very much higher. It is because driving is inherently dangerous that is a legal requirement for all drivers to carry third party insurance, if the risk to others was as low as that posed by cyclists, then there would be not legal compunction.
A law of strict liability would also have an impact on motoring insurance premiums, and the good news for drivers is that it would result in lower premiums. The main reason for this is that the UK is one of the most expensive countries for motor insurance BECAUSE it doesn’t have a law of strict liability. Therefore, in the event of a collision involving a motorist and a vulnerable road user resulting in injury to the vulnerable road user, that person often has little choice but to sue the motorist to gain compensation from the motorist’s insurance company. Often the insurance company will try to reduce the payout by making claims of “contributory negligence”, which is often a way of blaming the victim for being hit and has nothing to do with fairness. The only people to really gain from this type of litigation are the lawyers.
Given that there are so many obvious advantages to having a law of strict liability, it seems strange that there is so much opposition to it. Part of this is due to a failure understand that it benefits everyone in some way. Another reason is the mistaken belief that there is some sort of right to drive motor vehicles which there isn’t – driving is only permitted under licence and that licence comes with responsibilities. If you are a safe and considerate driver, you have nothing to fear and much to gain from a law of strict liability. It is time that we, as a society, vigorously challenge the Mr Toad’s attitude to driving. Strict liability is not a panacea, it can not by itself make our roads safer, but it is a part of the solution.