Problems arise when an uninsured motor vehicle operator and a person on a bike without auto insurance collide… Lack of insurance is also a problem in the case of single vehicle crashes, such as when you hit the light rail tracks at the wrong angle and go down.
As I reported in my first piece on bicycle insurance, there is currently no alternative form of automobile insurance for people who do not own cars. If you ride a bicycle and are not covered by car insurance, you should know your options in case of a single-vehicle crash, a hit and run, or a crash with an uninsured motorist.
At-fault motor vehicle operators who have their own auto insurance should be liable for any damages to you and your bike. If you have auto insurance it will most likely cover a crash that you cause, even if you are on your bike.
Problems arise when an uninsured motor vehicle operator and a person on a bike without auto insurance collide, or worse, in the case of a hit-and-run. Lack of insurance is also a problem in the case of single vehicle crashes, such as when you hit the light rail tracks at the wrong angle and go down.