Editorial: The bicycle insurance gap and what we can do about it
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Okay, ORS 742.502 requires an insurance company offering liability coverage to also provide uninsured/underinsured (UIM) motorist coverage as part of the package, so at least I had something to fall back on. And just to be completely clear about this: if you own a car and you have a liability policy and it has the required UIM endorsement, you are covered even if you get hit while you are on your bike or on foot.
But you gotta have the liability policy, which means you gotta have a car. Nobody is offering UIM coverage as a freestanding product to people that don’t drive. So when I got rid of the car about a year ago, I had to figure out what, if anything, I was going to do to insure against the risk that someone driving a car might hit and/or injure me.
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