I couldn't answer that without reading a particular all risk policy. But I have a feeling they won't. Some policies cover your bike for stated perils subject to your deductible, and some of those will cover if you're hit by vehicle is a stated peril. so is fire theft and a few others, but just plain crashing by itself is not covered. That's why you need to read your policy to find out what the heck it says because each company changes the wording, and the wording changes from state to state.

While all risk policy does cover more then named peril, you still have to read it closely to figure out if it will cover you in a crash. It's a good idea to call your agent, and make sure he or she understands you are talking about your bicycle being destroyed in crash whether it's your fault or not, and whether it's a crash involving a car, or just a crash into something else.

You are covered if you're injured in an accident while riding a bike and struck by a car, then your medical payment coverage on your car insurance will cover that, but only if struck by a car, and you're covered regardless who's at fault, and then only up to the limits of your medical coverage.