Car Insurance for Cyclists

Accidents can be covered with car insurance for cyclists. You need the driver's insurance information and personal information so you can make a claim through their car insurance to get coverage for your injuries.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • There will be coverage for your injuries if you are struck by a car while riding a bicycle
  • You can recover from your own health insurance coverage if the driver who hit you does not have any auto insurance coverage
  • There is no reason for you to get auto insurance coverage if you are only riding a bicycle and do not plan on driving a car
  • If you are hit by another cyclist, this would not qualify for coverage under an auto insurance policy

The good news for cyclists is that there is no requirement for you to have insurance in order to ride your bicycle.

However, if you are hit by a car while riding your bicycle, then you could expect to recover for your personal injuries from the auto insurance provider of the person driving a car who hit you.

If the driver does not have the required auto insurance coverage in your state, then you would be left with using your own health insurance coverage to take care of your medical bills or suing the other driver personally to recover for your personal injuries.

If you are looking to be properly covered, start comparing auto insurance rates by entering your ZIP code above!

What to Do if You are Hit by a Car On Your Bike

In the unfortunate event that you are hit by a car while riding your bicycle, you should make sure that you get all of the personal information and insurance data from the driver before leaving the scene of the accident. You should also call 911 for medical assistance right away if you have been injured at all.

If the other person involved in the accident is unwilling to provide insurance information to you, then this is a sign that you should call the police right away to file an official report.

After leaving the accident scene, you will file a claim through the auto insurance company of the other driver who hit you. Make sure to document all of your interactions with the auto insurance company so that you have a record of the information that you have exchanged.

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What happens if the other driver doesn’t have insurance?

If you are hit by a driver who does not have auto insurance coverage, you will have to recover against the driver personally for the damages that you have sustained.

Your own health insurance coverage will also kick in for the cost of you receiving any medical treatment as a result of the auto accident.

For drivers, it is a good idea to consider uninsured or underinsured motorist coverage. This type of coverage provides you with protection in the event that the responsible driver for an accident does not maintain sufficient coverage to take care of all the damage that he or she caused.

Your own coverage would help to make up for the difference as long as it is within your policy limits.

Consider an Umbrella Liability Policy

Many drivers are now taking out an umbrella liability policy so that they can rest easy that they are totally covered in the event that they cause an accident involving major damage.

With this policy, you may be covered for any damage that you cause to another driver or their vehicle up to as much as $1 million. An umbrella policy also applies to claims against your home insurance.

This policy could be important in an accident involving a cyclist because a cyclist is more likely to sustain major injuries when struck by a car.

Injuries could result in very expensive medical bills that you could be responsible for paying for out of your own pocket without sufficient auto insurance coverage.

Cheap Car Insurance Options

There are many ways to make sure that you are getting all of the coverage that you should have without paying an arm and a leg.

Even with adding an umbrella liability policy or other types of optional coverages to your car insurance policy, you may be eligible for several discounts that could drastically lower the amount that you pay for your car insurance premium.

It is easy to get a discount for multiple lines on your insurance policy by making sure that your home insurance and car insurance are taken care of by the same insurance provider.

Even though auto insurance companies differ on discounts, one of the most popular ones is for multiple lines of insurance with the same company.

Watching out for cyclists on the road is an important part of safe driving. There are driving safety courses that specifically deal with sharing the road with cyclists. By taking one of these driving safety classes, you may be eligible for an additional discount from your car insurance provider.

Make sure to check with the car insurance company ahead of time before you pay for the registration for the class. You should also make sure to keep track of any documentation that you actually completed the course so that you can show this to the auto insurance provider.

The major rule for auto insurance discounts is that you will never know what you are eligible for until you ask. If your inquiries into discounts from your auto insurance provider turn out to be unsuccessful, you could always look around for other auto insurance options.

You can easily go online and search for different available rates using a free price shopping tool. Each state has its own list of auto insurance providers that are allowed to operate in that state, which means that you should be sure to search only in your specific area.

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Car Insurance for Cyclists

Even though you are not legally required to carry auto insurance coverage for a bicycle, car insurance could come into play if you are involved in an accident with another car.

Auto insurance coverage will take care of paying for damages in any accident that involves at least one motor vehicle.

If you live in an area where there is a high number of cyclists around, it is a good idea to consider increasing your policy limits because you could be responsible for paying for very expensive medical bills if you hit a cyclist with your car.

If you live in one of those areas or ride a bicycle often, start comparing auto insurance rates to make sure you are adequately covered. Enter your ZIP code below!

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