I don't get it: you "either don't drive or no longer drive," but you still have auto insurance?

For me, it works like this, if I get in an accident involving a motorist, with me riding a bike:

I get damaged. Health insurance covers, maybe auto insurance as well, both will subrogate payment and go after motorists insurance co. or motorist for reimbursement.

Bike gets damaged. Home/Apt content insurance covers, subrogates as above.

And if a claim is filed on your auto insurace? I'd rather they use their legal resources to fight such a claim than have to fight an insurance company on my own...