I blogged just the other day about four ways auto insurance can protect you if you are hit by a car while on your bicycle. Actually, there is a fifth way I did not tell you about. Here it is: Hit-and-run insurance, a/k/a “uninsured motorist” coverage.
It’s pretty unusual for one motor vehicle to strike another one and take off from the scene of the accident. Even if that happens, the hit-and-run driver is likely to get caught if he takes his car in for repairs. The police will be canvassing local body shops and repair shops for cars that match the description of the hit-and-run vehicle.
But things are different when a car strikes a bicycle. There is usually little or no damage at all to the car (although the bike and cyclist are crushed!). The driver can easily just drive away. For example, a terrible car-on-bike hit-and-run happened a few years ago right near my hometown in Geneva, NY. The hit-and-run driver was eventually caught and prosecuted, but the bicyclist ended up losing his leg.