Do I need vehicle contact protection?
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If you have an auto insurance policy with uninsured/underinsured (UIM) coverage, it may cover you if you’re hit by a car while riding your bike. This coverage usually applies to medical bills and property damage if the driver is uninsured or underinsured. However, the specifics of the coverage depend on the policy, so it’s best to check with your insurance provider to see what is covered and to what extent.
There are states where UIM coverage does not extend to bicycles. State laws also change, so it is crucial to consult with a local insurance agent or legal professional in your state to get the most accurate and up-to-date information. Consider using our trusted partner attorney directory to find a bicycle attorney in your area.
If you live in a state where UIM coverage does not apply to bicycles but find yourself sharing the road with cars, you should consider purchasing the maximum $25,000 Vehicle Contact Protection.
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