With the exception of real-life insurance agents that surely post at BF, I think I can safely assume that most people are as initially befuddled by their insurance policies as I am.
I was speaking with my auto insurance agent today, and getting a better rate with a new provider. I took the "any questions?" opportunity to ask if I was in any way covered if I got into a collision while on my bicycle. She wasn't entirely sure, but presumed that the "pedestrian coverage" under the umbrella of "uninsured/under-insured driver" coverage would in fact cover me on a bike as it would on foot. I was skeptical, since every other piece of legalese out there wants me/us to be vehicular in nature (until we make what's-his-name "late for work," of course).
She went ahead and telephoned someone higher up, or at least more entrenched in dealing with claims, and it was confirmed- pedestrian coverage on my auto insurance policy covers me on a bicycle- in my policy's case, bodily harm only (not comprehensive).
Further, I presume it comes into play only with a hit & run or an uninsured driver, being as that's the coverage type it falls under...or perhaps if I'm at fault? (these presumptions occurred to me only after I'd left the office)
So I have no particular heavy questions, am happy to better understand my policy, and happy to learn that I have a potential safety net even on my bike, but am curious to know other people's experiences with this, whether you've found the same means of coverage through your provider, whether you've ended up screwed, and when, if ever, did you have to rely on your own insurance rather than the other party's.
Like my agent pointed out, it's probably good that I didn't fully understand every facet of my coverage, as that would suggest that I've had to fall back on my insurance before!