Perspective Newsletter
April 2016
April 2016

Question you asked

Does my PEMCO insurance cover me if I'm hit by a car when riding my bike?

Yes, depending on the policies and coverages you've chosen.

For example, in addition to filing a claim against the driver's insurance (if the driver is at fault), you may be eligible for coverage under your Auto policy's Personal Injury Protection regardless of who is at fault. If the driver doesn't have enough insurance coverage to pay for damages, you can file a claim under your Underinsured Motorist coverage.

Your Home or Renter policy also offers some coverage for bikes. For example, if you hit a pedestrian while riding your bike, your personal liability coverage can help. If you're at fault in an accident with a car, your Home or Renter insurance would cover damage to your bike and dents and scratches to the car's paint (keep in mind any claim for damage to your bike is subject to your policy's deductible). If your bike is stolen, your Home or Renter insurance would cover it.

Specific bike insurance is available through specialty markets and might be a good idea if you have an electric assist bike or are actively involved in racing. Those policies often have racing coverage, roadside assistance, and even provide a rental bike while yours is in the shop.

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