I was involved in a car/bike accident two weeks ago (driver made a left turn in front of me- didn't see me) and made a trip to Pomerado hospital in an ambulance. Fortunately the driver has insurance and will cover the costs of medical etc, but when contacting my own insurance company about the accident, I was informed that my medical payments coverage specifically excludes bicylists. The company - Wawanesa- sent me a copy of the declarations and they provide med pay if you are in a car or a pedestrian, but they specifically define a pedestrian as someone under human power excluding bicycles.

If I had been on a skateboard, I would be covered, but not on a bike.This fact has
resulted in my changing my auto insurance to AAA, which does cover bicycles under medical payments. This exclusion would likely also apply to uninsured and underinsured motorists, as well as a liability situation.

Just a heads up- you may want to check your policy to make sure you are covered while on your bicycle .

.Gary Kent