Originally Posted by Expatriate

You should be able to make a claim under your auto policy if you have an accident with a car. There is no rider available, but your policy covers you, the named insured for a loss involving another vehicle. Unless you have an assigned risk, liability only policy, your med pay and or UMBI will apply. If you are hit by an insured vehicle, unless you live in a no fault state, you can expect their insurance carrier to pay for your injuries and damages. Unless there is a huge question of liability, most insurance companies would rather settle with a cyclist or pedestrian than have the injured party get representation and possibly file suit. And if you're not seriously injured, I suggest you don't hire an attorney. The average claim payout increases by a large amount, but some pittance like $100 more is all the ends up in the injured party's pocket. The rest goes to the attorney.