Well it's time for me to renew my auto insurance and after doing a quick search around the web, I found on some law office websites and blogs that underisured and uninsured motorist protection will cover you as a bicyclist or pedestrian if you are involved in a hit and run accident with a car (and I'm assuming a normal accident where the person sticks around as well). However, when I called my current insurance company (Erie Insurance) they said that it would not but the agent said he would look into it further and return my call. I also called USAA and the person I spoke with consulted 2 agents while I was waiting and informed me that in their insurance contract it only mentioned the driver in an automobile. Am I getting BS-ed here by the insurance companies or do only certain companies extend UM and UIM coverage to pedestrians and cyclists? Or is it something that, although it's not mentioned in the contract, I could use to cover me with the help of a personal injury attorney if I was ever involved in an accident with a car? If only some companies offer this protection, does anyone know where I should look around? I live in Philadelphia PA. I'm currently unemployed so I don't have health insurance so coverage through my auto insurance would be VERY nice as that's the only 'risky' activity that I take part in where I would be likely to suffer an injury (I've never had to go to the hospital for a sickness and I'm only 25 so hopefully more serious health ailments are years from presenting themselves, or at least until I find a new fulltime job hopefully in the next couple months).