It is common to wonder if your auto insurance will cover your injuries and property damages in a bike accident. You could have serious injuries and your bike could be destroyed, so this is not a minor issue. While every insurance policy is somewhat different, it is likely your policy will cover a bicycle accident if the following are true:

  • The accident should involve a motor vehicle of some kind. It actually does not matter most of the time if you were on a bike, in a car, ATV or something else. At least one of the vehicles involved needs to be a motor vehicle. In that case, your auto insurance should cover your damages.
  • The accident was the fault of the driver. If the accident was your fault, it is likely your auto insurance provider will deny the claim. If you are 50% at fault for the accident, it is likely the auto insurance policy would cover 50% of your damages. So if you have $1000 in injuries and property damage and were 50% responsible, you could receive $500 from the insurance company.
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