Is anyone writing bicycle insurance in the USA right now? If so, I’m out of the loop. As far as I can tell, no insurer is writing such a policy in the United States right now.
What do I mean?
If you have a car, you get car insurance. That policy typically contains a number of different coverages. If you hit someone in your car, you are covered. If your car is damaged, your policy can cover it. If you are hit by an uninsured motorist, or one without enough insurance, this policy may provide a pool of money to pay your claim. The “Medical Payments” coverage can be used to pay your medical bills.
What if you are a true transportation cyclist and give up your car? Who pays the claim if you run somebody over? What if you get hit by an uninsured motorist? What kind of insurance is available to protect you?
The short answer, in the U.S., is that it is much easier to protect yourself on the bike if you own a car!
If you do NOT own a car, there is no “Uninsured/Underinsured” policy that will protect you if you are hit by an uninsured motorist. No one is selling this type of “Bicycle Insurance” in the U.S., as far as I am aware.
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https://ohiobikelawyer.com/uncategorized/2010/01/bicycle-insurance-where-is-it/oldId.20100124104318688
Biking in Baltimore