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Does home insurance cover bicycle accidents?
I was riding my bike in my neighborhood and a car accidentally hit me. I had to go to the hospital, but I’m okay. Since it was in my neighborhood, would home insurance cover my bicycle accident?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your accident! I’m glad you’re okay. Since you were the person injured, your home insurance wouldn’t cover your bicycle accident.
In this instance, the driver’s
car insurance
should provide coverage for your medical bills and injuries. If you had been riding a bike and injured someone else or damaged their property, your home insurance would likely cover it under your personal liability coverage. Since you won’t need to submit a claim under your home insurance, you’ll want to get the driver’s information. You’ll need to submit a claim to their insurance for your damages and medical bills.
Accidents happen, so it’s always good to know you’re protected with solid home and car insurance policies. If you want to find the best coverage at the lowest rate, use
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even cancel your old policy.View full answer
- Gregory R.
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