Originally Posted by
Kerlenbach
If the cyclist had an auto policy with UM coverage, his UM coverage would have provided additional liability coverage for him, so long as he could prove some level of fault on the part of the driver that hit him.
IIUC... there are some states where the injured party will collect nothing if they are even 1% at fault, and in such states, it is a mistrial if the injured party's lawyer mentions that to a jury.
of course that is in regards to collecting from another party's motor vehicle insurance. collecting against ones own medical insurance generally pays even in cases of extreme stupidity, regardless of fault.