A former Olympic cyclist who now works an attorney and runs a website on legal issues involving bicycles is giving fellow riders some tips about various provisions in their auto insurance policies.
According to Bob Mionski of BicycleLaw.com, cyclists should consider it "essential coverage" to carry uninsured/underinsured motorist coverage on their policies. However, he notes that only bicyclists who have auto insurance policies are able to get such coverage. He also says that a handful of other countries do offer bicycle insurance policies.
"I routinely advise cyclists who do have an insured automobile to purchase the maximum amount of UM/UIM coverage available," writes Mionski on his website.
Every state but New Hampshire has now passed laws requiring motorists to carry some level of insurance protection. Still, laws vary considerably on how much coverage they are required to carry. Bicyclists will have further protection from high medical costs if they have health insurance policies.
Consumers who enjoy riding bicycles or who depend on them for day to day transportation can wind up with serious injuries that can result in thousands of dollars in medical bills if a driver does not carry sufficient coverage on their auto insurance policy.