Cyclists generally have far more liability insurance for their bikes than the average motorist.

Unlike motoring, bicycling carries such negligible risk that it is included in the basic personal liability coverage of renter's insurance or homeowner's insurance. A million dollars of liability insurance for a whole family on bikes costs less than a month of minimal auto liability coverage for one car with one driver.

Here in Washington, the Legislature requires a paltry $25,000 per person bodily injury liability, $10,000 per accident property damage liability -- limits low enough that it's easy to exceed them in a fender-bender.

Meanwhile, personal liability coverage on even minimal renter's insurance usually starts at $100,000 or more. Many homeowners carry personal liability limits of $500,000, a million, or more. And that coverage generally extends to all named insureds in the household, not just one operator.

In fact, liability coverage for cyclists is so easy to get, and so inexpensive, that it's hard to find a policy that only covers bicycling liability -- there's no need for such a policy.

[Disclaimer: insurance policies vary by company and state. If you don't see my name on your declarations page, I'm not your insurance agent and I've never read your policy.]