Originally Posted by
Minnesota Expat
Not exactly. Your bike is one thing. If your bike is damaged in an accident, you likely are "damaged" too. And your auto insurance can help. Really,
do read this;
https://pvcycling.wordpress.com/2015...se-get-r-done/. The guy might be a lawyer, but he's also an accomplished amateur racer, the blog post is short, easy to read and understand, and funny too (a bonus)!
So I asked my agent, here's some detail based on my situation and the types of insurance I'm carrying. YMMV and please confirm with your insurance agent(s) for what applies to you:
Originally Posted by my insurance agent
Your health insurance would be your primary coverage for your injuries while riding. However, if you were struck by a vehicle, your automobile medical payment of xxx would be applicable, and also uninsured motorist(assuming the vehicle is under insured).
Property damage or bodily injury caused by you, is covered under your personal liability + umbrella policy. Damage to the bike would fall under contents coverage, homeowners.