Deano, if that did happen with a bike and as a result someone was injured, they can throw their policies in the bin cause they'll all be running for cover!!
I had a situation in the Elizabeth City Centre carpark where I parked against one of those concrete front tyre stops. They have 2 lengths of rio rod that they nail the things in place with but one of the rods had dislodged and was sticking up a few inches, just enough for my work car's front plastic bumper to hook on. When I reversed, it ripped the front bar off.
This what I sent them with a massive bill and the buggers paid it, lol