Originally Posted by
banerjek
Just to make sure I'm understanding correctly, this means it would be necessary to initiate a civil suit against the other party? What I'm a little unclear on is why the cyclist's health insurance would be willing to take such a huge hit without trying to recover some of the losses.
A civil suit would be necessary is the other driver or his insurance co won't settle. No contact means as a practical matter they will be less likely to do so; it really doesn't change the underlying law. What you consider a huge hit may be small potatoes to the health insurer. Just a calculated decision by someone that for whatever reason, it's not worth pursuing.