There’s no reason for bike lanes to be side by side car roads. Bikes don’t need the same level of turn rate or intersections at all
Like my commuter road in oslo takes me about 30 minutes, and is only next to the road for a km or two. Even then it’s not advertising in the road, but on an elevated track next to it. Most of the time it’s an entirely separate route, shared with pedestrians.
I don’t think they provide insurance, but I do think that’s what the previous commenter was saying it’d ensure. You’re most likely in agreement.
You just need to properly segregate them
There’s no reason for bike lanes to be side by side car roads. Bikes don’t need the same level of turn rate or intersections at all
Like my commuter road in oslo takes me about 30 minutes, and is only next to the road for a km or two. Even then it’s not advertising in the road, but on an elevated track next to it. Most of the time it’s an entirely separate route, shared with pedestrians.