Bicycle Austin forum

Good question - surprising answer:

If you were hit by a car (even though you were on a bike), you were involved in an auto accident. Therefore, your auto insurance will cover you for injuries just as if you were involved in a hit-and-run accident while driving your vehicle. The only catch here is that you must have carried uninsured motorist coverage--which is required by law (and most of us have it--only some people sign a waiver to get those $39/month low coverage premiums)--and the disappearing vehicle must have actually struck you or your bike (not just forced you off the road, for example). 

I think it's kind of surprising and unknown to most cyclists that you can use your auto insurance to cover you in a bike wreck--even when the person hit-and-ran.

Hopefully this helps answer your question above and helps hit-and-run victims in the future.

James Wood :: Attorney at Law
686-3107