Bontrager, I was responding to BlazingPedals' comment about not having your auto insurance go up for something you did on a bike. You can have an auto policy if you don't own a car, but that's not what I was referring to. If you have an auto policy, or a homeowner's policy (even a renter's policy) and hit a car with your bike, chances are the insurance company for the guy you hit is going to go after your insurance. It depends on a lot of factors, but they do pursue it in some cases.