Originally Posted by Expatriate
If you do something foolish on a bike, and strike a car, who is paying for the damages? Your auto policy, that's who.
What makes you think that there's always going to be an insurance policy to pay for everyone's damages? It is not required to have a driver's license or liability insurance in order to ride a bike. Unless your policy specifically covers it, auto insurance won't cover you for when you're on your bike. It's AUTO insurance.