What Insurance Covers A Bike Hitting A Car?


Whether it’s a cyclist hitting a car or a car hitting a bike, nobody wants to be in that kind of situation. The question of “who pays for damages?” is often the first one that comes up. Understanding what insurance covers in such an event can be tricky, as regulations and policies vary from state to state. In this blog post, we will discuss what insurance covers when a bike hits a car and how cyclists can protect themselves from financial losses. We’ll also look at the rights and responsibilities of both parties involved in the case of an accident.

What insurance covers a bike hitting a car?

Your insurance policy may cover damage to your vehicle if it is hit by a bicycle. Most policies exclude intentional damage, but if the bike rider was at fault, your insurer may pay for repairs. If you have collision coverage, it will likely cover damage to your car regardless of who is at fault. If the bike rider has insurance, their policy may cover any damage they cause.

How to file a claim

The first thing you should do if your bike hits a car is to file a police report. This will document the accident and can be used as evidence later on. Then, you should take pictures of the damage to both the car and your bike. Once you have all of this documentation, you can file a claim with your insurance company. Be sure to have your policy number handy and be prepared to answer questions about the accident. The insurance company will likely want to know how the accident happened and who was at fault. They may also ask for additional documentation, like a copy of the police report or medical bills.

What to do if you’re at fault

If you’re at fault for hitting a car with your bike, the first thing you should do is stop and check for injuries. If there are any, call 911 immediately. Once you’ve ascertained that everyone is okay, exchange insurance information with the driver of the car. Take pictures of the damage to both the car and your bike, as well as of the scene of the accident. These will be helpful when filing a claim with your insurance company. You may also want to file a police report, especially if the damage is significant.

What to do if the other driver is at fault

If the other driver is at fault, you should:

  1. Call the police and file a report.
  2. Take photos of the damage to your bike and car.
  3. Get the contact information of any witnesses.
  4. Seek medical attention if you are injured.
  5. Contact your insurance company to file a claim.

How to prevent bike-car accidents

There are several things cyclists and drivers can do to prevent bike-car accidents:

Cyclists should always ride in the same direction as traffic and follow all the rules of the road. They should also make sure they are visible to drivers by wearing bright clothing and using lights at night.

Drivers should be aware of cyclists on the road and give them plenty of space when passing. They should also avoid distracted driving, such as text messaging or talking on the phone.


In conclusion, it’s important to be aware of the type of insurance coverage you have before a bike hits your car. If you are covered under collision insurance, then you will receive compensation for any damage caused to your car. However, if the bike was not at fault, then liability insurance may come in handy to cover the costs associated with any repairs and medical bills incurred by the bicyclist. It’s always better to be prepared ahead of time than scrambling for help after an accident has already happened so make sure that you have all appropriate types of coverage beforehand!