Q: Does my Uninsured/Underinsured Motororist coverage apply if a motorist hits me while I'm riding my bike? [Pennsylvania]


I'm shopping around for Auto Insurance in PA; considering Progressive. I also like to ride bike. Hopefully, I'd never need it, but if a motorist injures me while I'm riding bike and they are at fault, would I be covered by Uninsured/Underinsured Motorist Coverage (UM/UIM)?

Findings so far:

Progressive's page on "bicycle insurance" (progressive.com/answers/bicycle-insurance/) says:

"If you're injured in a bike accident with a driver... the uninsured motorist insurance on your auto policy MAY kick in..." There's a lot of "MAY COVER" language on that page, so it still leaves some doubts.

Called Progressive to ask. Rep initially said UM/UIM would cover it, but later walked it back and quoted something like "... injury arising out of the maintenance or use of a motor vehicle...". At that point, rep wasn't sure whether a bike-car accident would be covered.

Do you know which auto insurer's UM/UIM definitely cover cyclists?Any tips help. Still shopping around. Thanks.

1 Lawyer Answer
Peter N. Munsing
Peter N. Munsing
  • Personal Injury Lawyer
  • Wyomissing, PA
  • Licensed in Pennsylvania

A: Short answer yes. Uninsured underinsured covers you if the driver running into you has no insurance or too little. If you have more than one car in your household get "stacking" --the best deal in car nsurance. It multiplies the coverage you had for UM/UIM by the number of cars, and generally costs only 5-19 PER YEAR!

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