I don't ride a CT, but I have no problem with the idea. So it isn't because I'm opposed to CTs that I say that no car insurance policy covers accidents caused by intentional conduct--otherwise when you wanted a new car, you could simply wreck your old one--and mounting a CT could easily be labelled intentional conduct. I think people running CTs should understand that as far as your liablility in an accident, for injury attorneys the genie is out of the bottle. Please don't blame the messenger, because I think it's unreasonable, but you really need to add this to your mix of concerns.I’m not sure what everyone is concerned about. Let your insurance company deal with the lawyers and lawsuits. That’s what you pay for, to cover your legal liability.