Most likely no unless the bike accident involves another automobile. but if you’re riding and cause an accident with another cyclist, personal liability coverage on your homeowners insurance or renters insurance policy may cover the cost of the other rider’s injures and property damage. Your personal injuries could be covered by your health insurance. The cost to repair or replace your bike may be covered by your home or renters insurance, assuming you’ve added a specific insurance rider to cover your bicycle on your policy.
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