via Tumblr hobbsr04.tumblr.com/post/113952909817 via Tumblr hobbsr04.tumblr.com/post/113951679877 via Tumblr hobbsr04.tumblr.com/post/113950619567 via Tumblr hobbsr04.tumblr.com/post/113949118397 via Tumblr hobbsr04.tumblr.com/post/113948237232 via Tumblr hobbsr04.tumblr.com/post/113946955517 via Tumblr hobbsr04.tumblr.com/post/113945454422 via Tumblr hobbsr04.tumblr.com/post/113943774592 via Tumblr hobbsr04.tumblr.com/post/113941800422 via Tumblr hobbsr04.tumblr.com/post/113940275802 via Tumblr hobbsr04.tumblr.com/post/113939435852 via Tumblr hobbsr04.tumblr.com/post/113936599852 via Tumblr hobbsr04.tumblr.com/post/113933355917 via Tumblr hobbsr04.tumblr.com/post/113931184787 via Tumblr hobbsr04.tumblr.com/post/113927112107 via Tumblr hobbsr04.tumblr.com/post/113924597962 via Tumblr hobbsr04.tumblr.com/post/113922008227 via Tumblr hobbsr04.tumblr.com/post/113918396317 via Tumblr hobbsr04.tumblr.com/post/113916060652 via Tumblr hobbsr04.tumblr.com/post/113913683402 via Tumblr hobbsr04.tumblr.com/post/113910082142 via Tumblr hobbsr04.tumblr.com/post/113906363717 via Tumblr hobbsr04.tumblr.com/post/113902436247 via Tumblr hobbsr04.tumblr.com/post/113897314032 via Tumblr hobbsr04.tumblr.com/post/113894864807 via Tumblr hobbsr04.tumblr.com/post/113891414562 via Tumblr hobbsr04.tumblr.com/post/113889188492 via Tumblr hobbsr04.tumblr.com/post/113886908937 via Tumblr hobbsr04.tumblr.com/post/113886195537 via Tumblr hobbsr04.tumblr.com/post/113882981372 via Tumblr hobbsr04.tumblr.com/post/113878633132 via Tumblr hobbsr04.tumblr.com/post/113875018262 via Tumblr hobbsr04.tumblr.com/post/113871312037 via Tumblr hobbsr04.tumblr.com/post/113870383202 via Tumblr hobbsr04.tumblr.com/post/113867719187 via Tumblr hobbsr04.tumblr.com/post/113865467352 via Tumblr hobbsr04.tumblr.com/post/113863493702 via Tumblr hobbsr04.tumblr.com/post/113861725377 via Tumblr hobbsr04.tumblr.com/post/113861046487 via Tumblr hobbsr04.tumblr.com/post/113859643432 via Tumblr hobbsr04.tumblr.com/post/113857146327 via Tumblr hobbsr04.tumblr.com/post/113855025392 via Tumblr hobbsr04.tumblr.com/post/113852656967 via Tumblr hobbsr04.tumblr.com/post/113849796217 via Tumblr hobbsr04.tumblr.com/post/113846760427 via Tumblr hobbsr04.tumblr.com/post/113841542577 via Tumblr hobbsr04.tumblr.com/post/113836170192 via Tumblr hobbsr04.tumblr.com/post/113831069647 via Tumblr hobbsr04.tumblr.com/post/113826126762 via Tumblr hobbsr04.tumblr.com/post/113821369977 via Tumblr hobbsr04.tumblr.com/post/113817506022 A driver’s car insurance can cover damage that a car inflicts on a bicycle. But does it cover damage that a bicycle may inflict on a car? Say you’re driving down the road, minding your own business, when — WHAM! — you get hit by a bicyclist. There are scratches and dents along the side of your car, and your side mirror is gone. Who’s going to pay for all of this? Assuming that the bicyclist is completely at fault, then the bicyclist is responsible for paying for the damages. But, if he can’t pay out of pocket, will his car insurance (if he has it) cover the damage? Bicyclist’s Car Insurance Sadly, no. A bicyclist’s car insurance will not cover any damages to you because the bicyclist wasn’t driving a car. Or rather, the damage to you wasn’t caused by the car covered in the cyclist’s car insurance policy. However, you’re not completely out of luck. Bicyclist’s Homeowner or Renter’s Insurance Depending on the terms of the policy, the cyclist’s homeowner’s or renter’s insurance may cover the damages to you or your car. How is this possible? Homeowner’s or renter’s insurance will often pay for compensatory damage caused by the insured while participating in a covered occurrence. Sporting activities, such as bike riding, are usually considered covered occurrences. Compensatory damages are the actual costs to you caused by the accident, including repair costs, medical bills, and lost wages. So while you won’t be able to recover money from the bicyclist’s car insurance policy, you may be able to recover money from his homeowner’s or renter’s insurance policy. Personal Injury Protection What about the bicyclist’s own injuries and damages? Unfortunately for the cyclist, his homeowner’s insurance won’t actually cover any of his injuries or damages. However, some state insurance laws guarantee that when a car and bicyclist collide, personal injury protection will cover part or all of the cyclist’s medical bills. For example, in Massachusetts, even if a cyclist hits you and is 100 percent at fault, your car insurance will automatically pay a portion of his medical expenses, according to The Boston Globe; if the cyclist wasn’t at fault, he could get even more to cover lost wages and other costs. If you are involved in a bicycle versus car accident, an experienced personal injury attorney may be able to help evaluate your damages and your options for recovery. Related Resources: Injured in an accident? Get your claim reviewed by an attorney for free. (Consumer Injury) Bicycle Accidents Can Be Deadly, And Costly (FindLaw’s Injured) California Crackdown on Biking While Intoxicated (FindLaw’s Blotter) Illegal to Ride a Bike Against Traffic? 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