How does liability insurance work for bicycle accidents? Typically bicycle accidents are covered under a home insurance policy but cyclists who are unsure of their coverage should be asking their insurance broker or agent.

In different situations, the liability would fall on different parties. If a cyclist is involved in an accident with a pedestrian, the pedestrian can launch a personal injury lawsuit and the cyclist would likely turn to a home insurance or renter’s policy first. If a motor vehicle is involved, the cyclist has access to accident insurance benefits.

Speak to your insurance broker or agent to find out if you are covered.

Source:  https://www.canadianunderwriter.ca/insurance/where-insurance-fits-into-bicycle-accidents-1004165099/