Definitely learned a lot about this after my wife has struck by a car. Driver was uninsured. We only had the state minimum coverage for UM/UIM, but fortunately her injuries were minor. Definitely increased our insurance coverage a LOT after that. I’ve also looked into getting coverage for cycling only, should we decide to go carless. It’s actually very difficult, and I’ve only been able to find one company that carries cycling insurance – Veloinsurance. It seems like our society basically punishes you for not driving. Who woulda thunk?
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