Whether your auto insurance covers you when you get hurt riding your bike depends primarily on the policies you carry and how the crash happened. If you were hit by a driver who is underinsured or uninsured, your own uninsured/underinsured motorist coverage may help with medical costs and lost income. If you collide with a fixed object or another rider while riding, that usually does not trigger auto bodily injury liability coverage, because such coverage applies when your vehicle causes harm to others. Your health insurance is typically the primary payer for medical expenses, and optional MedPay on your auto policy could provide additional coverage regardless of fault. The sections below explain these relationships, common limits, and the steps to take after a crash, supported by a concise comparison of coverages.
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