Are Helmets Enough?

          As bicyclists, we’ve all heard of other riders who were involved in an accident with a vehicle. Perhaps you’ve even had experience with aggressive drivers or a dangerous road condition first-hand. Because these incidents are all too common, we know how important it is to wear helmets. However, rarely do we hear about an equally important need; the need to be adequately insured. Most people are unaware that many of the coverages on your automobile policy extend to provide you protection while you’re on your bicycle. Hard to imagine? Let’s look at an example. Tom was an extremely cautious bicycle rider, always wearing a helmet and obeying all the traffic laws. However, one day, he was involved in an accident with a hit and run driver. Tom had extensive injuries that required a several months stay in the hospital and extensive physical therapy. Due to his injuries, he was also unable to work for a year and a half. Fortunately for Tom (and...
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