When you get into an accident while biking, you can suffer severe injuries that leave you with high medical bills. As you recover from the crash, you expect to file a claim against the driver’s insurance company to pay your bills. But what happens if the driver doesn’t have car insurance?

If you own a vehicle in California, you must have some basic liability coverage. But not every driver chooses to follow this law. However, if you have your own insurance, you may have coverage against uninsured drivers.

Uninsured motorist coverage protects you

When you buy car insurance in California, the company must offer you uninsured and underinsured motorist coverage. Unless you filled out a waiver to deny this protection, you likely have it as part of your policy. You can also choose to have it or increase its coverage.

If a driver doesn’t have basic liability coverage, uninsured motorist protection lets you file a claim with your own insurance company for your injuries. Your insurer pays for any medical treatment you need as a result of the accident. This coverage can make sure you have money for your bills much quicker than if you file a lawsuit.

And if the driver has insurance, but it doesn’t cover your bills, underinsured coverage can supplement what the driver’s policy doesn’t cover.

You have protection outside of your car

Even if you arent in your vehicle, you can still file a claim under uninsured/underinsured motorist coverage. This protection can cover you whether you are on your bike or just walking down the street.

However, your insurance company may try to deny your coverage, especially if the accident didn’t involve your car. You may need to ask for help from an attorney if your insurer denies your claim.

Your insurance can cover your bills

If a car hits you while you are on your bike, there is a high chance you will have severe injuries. But if the driver isn’t insured, you can rely on your own insurer to pay your bills. You may want to speak with your provider to see if you have uninsured motorist coverage.