I have been blogging recently about how auto insurance protects bicyclists who are injured by automobiles. For my previous blogs on this subject, click here and here. In my last blog post, I discussed what remedies a bicyclist hit by a car has when the car either leaves the scene and cannot be identified (hit-and-run vehicle) or is uninsured. I said that the injured cyclist can claim both no-fault (basic medical expenses and lost wages up to $50,000 limit) and “uninsured motorist” benefits (pain and suffering compensation and any medical expenses and lost wages no-fault that go beyond the no-fault limit up to $25,000) from his or her own auto insurer or, if he does not own a vehicle, from the auto insurer for any relative who lives with him or her. And as I discussed in the previous blogs, if the injured cyclist has Supplemental Underinsured Motorist coverage in his auto policy, he will have even higher levels of compensation available.
Today I am going to discuss what happens in the same scenario, but where neither the cyclist nor anyone who resides with him owns a vehicle, and thus there is absolutely no auto insurance available. Is the injured cyclist completely without a remedy?
No! At least not in New York State. And here’s why: