How to protect yourself if you ride a bike
For many years, homeowner’s and renter’s insurance covered some aspects of bike loss, but that related mainly to the property loss and very rarely did it cover accidents away from home. There are some new insurers in the marketplace that offer liability, loss, and medical payments similar to how a car insurance policy is structured.
Of course, your best defense against an accident is preparing yourself ahead of time by wearing the right equipment and observing defensive tactics while you ride.
But no matter what, the odds are even the best defense cannot protect against that one-time accident that can change your life forever.