Originally Posted by
DogBoy
Yes, to an extent. UM/UIM is intended to substitue the liability that the other driver should have had. In essence, it is a liability policy for the uninsured person that hit you. It applies if they should have had liability that would have covered your injuries. So, it only covers you on your bike ...
I've wondered about this -- does UIM coverage (on your car) really cover you on your bike?
After all, your insurance policy usually covers your car, not your bike. And it's not you that it covers, because it'll cover your car no matter who is driving it. (Will your auto insurance on your car cover you if you're driving somebody else's car?)
Really, the place to find the answer to this will be to read your policy, or call up your insurance company. I may have to do that.
To be fully covered on you bike, you need health insurance, UM/UIM and PIP if offered in your state. To cover damage you do on your bike, you need a HO or renter policy.
I do know that most HO and renters policies cover general liability which covers damage you do on your bicycle. I wonder if they all do?
If somebody does injure you while you're on your bike, your health insurance will usually pay the claim -- and then go after the person who injured you. Keep in mind that this might reduce the amount of money you can get from them otherwise (as it will count against their policy limits, and if they don't have insurance, it's money out of the pocket that can't be given to you.)