Cross-posting this from A & S.
Yesterday in court I had before me a fellow who was not paying his child support. He had been out of work for most of the last year. He had been hit by a car while riding his bike, and according to his lawyer he had a hospital bill of $118,000, with no health insurance. He owed over $12,000 on his child support. He had settled his case against the driver for the policy limits of $10,000, and he had no uninsured/underinsured motorist coverage, so the 10k was all he was going to collect. They wanted me to figure out how to split up the cash.
After the hearing I asked the lawyer what had happened in the crash. Turns out the guy was salmoning up the road when he got hit. So there were a few lessons from that hearing - ride correctly, and carry plenty of insurance. UM insurance is the best and cheapest form of insurance a cyclist can have.