Dicky Ticker

Last night on the way home in the car nearly ran into two of them riding without lights. These were not kids but mature adults with racing gear on
but either dark or grey colours. One of them was riding on the A12 and the other local in an unlit lane. Just where do cyclists get off flaunting the law?
It really peeves me that if I collide with one of them or serve and have an accident ,damaging my car or m/bike the are not insured and would probably just carry on regardless