What If Driver Who Hit Me Was Uninsured Or Left Scene?
You may still be able to make a claim if you, or someone who lives with you, has uninsured motorist coverage on your auto insurance policy. It doesn't matter that you were not driving a motor vehicle at the time. If authorities can find the person who hit you, you should be reimbursed later by his or her liability policy. Insurance companies sometimes resist this type of claim, so consider hiring a bicycle lawyer to help you get to the bottom of it if you have trouble. You could also consider utilizing your own uninsured motorist coverage for your compensation if you determine the at-fault driver was uninsured or was a hit and run. In addition, you could also use your own underinsured coverage if the wrongdoer was insured but just didn't have enough coverage to properly compensate you. Normally your own uninsured or UM motorists coverage, as well as your underinsured or UIM coverage, follows you whether you are a pedestrian or a bicyclist.