Originally Posted by BlazingPedals
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.
I didn't say there would always be an insurance policy. I merely responded to this post:
Originally Posted by BlazingPedals
Tickets received on your bicycle shouldn't count as points against your driver's license. That'd suck having your car insurance go up because of something you did on your bike!
And you are incorrect. There is no special rider on an auto policy that covers bikes. The liability portion of your auto policy will cover you if you strike a car with your bike. Just like your bodily injury coverage will provide limited coverage if you are in someone else's car, or get hit by a car while on your bike. It's not called a "Your car policy", it's auto insurance. It covers your body, your passengers' bodies (in a car) and provides liability coverage if you have an accident involving another automobile. There's no shopping trolley insurance, but if you're leaving Costco or Home Depot and your trolley rolls into a car, you have coverage to pay their damages. That's what the liability portion of your policy covers, and that's what most states, if not all, require you to have in order to operate a motor vehicle. Do you even have insurance or a license?