How much insurance do I need?
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The right amount of bicycle insurance matches how and where you ride, so the best place to start is your own use case and risk tolerance.
How often and where you ride drives the answer. Bicycle commuters who share the road with cars and sidewalks with pedestrians take on significantly more risk than weekend warriors who ride rarely and away from traffic.
Should I consider medical coverage?
Review your healthcare plan first, including annual and emergency room (ER) deductibles and co-pays, then carry enough medical coverage to offset those bills. With limited or sub-par health coverage, a single crash can mean real financial hardship, so the medical layer is where most riders get the most value.
When do I need Uninsured Motorist coverage?
Uninsured Motorist coverage is built for riders who share the road with cars. This optional coverage from Velosurance covers the insured rider for medical and other related expenses, such as physical therapy, lost wages, and mental health services, which matters given that getting hit by a car is one of the top fears of any cyclist. It also steps in after a hit-and-run, when the driver flees and there is no one else to bill, so you are still covered when the at-fault motorist cannot be found.
When should I add liability coverage?
Add liability coverage if you share the road with cars or pedestrians, or ride with a group, where the chance of causing property damage or bodily injury to another party goes up significantly. It is available as an optional coverage, alongside the other add-ons you can carry on the policy, which we cover in how your coverages apply.
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