Without knowing the circumstances, I can't advise you on the issue of whether the driver's insurance company is obliged to pay you. A lot depends on what you did leading up to the crash, and what the driver did, as well as what state you're in.
Originally Posted by seanisthegood
As I mentioned in another thread yesterday, I wrote a comprehensive article about what you should do if you crash. You can read it on the Massachusetts Bicycle Coaltion's website, at