are there any insurance policies that covers children bicycles and the liability that they may incur for running into and injuring another person?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 5, 2016

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from La Jolla, CA

Asked on 09/05/2016

are there any insurance policies that covers children bicycles and the liability that they may incur for running into and injuring another person? NULL

Answer given on September 28, 2016

Most homeowner insurance policies protect and defend the homeowner if he or a family member causes injuries or damages to someone else, including if done on a bicycle. The liability portion of the insurance policy would respond in case of such a loss. Minor children, usually under 14, are automatically covered, even if the damage or injury was intentional. Review your homeowner policy to see how the policy is set up for this.If you have already had an occurrence, contact your insurance company or agent to report the claim. They will walk you through the claim process and defend you. If medical coverage is or was needed, they will pay under either the medical payments coverage or under the liability limit of the homeowner policy. The policy will also cover an adult if there is an incident involving a bike, as long as it was not intentional.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption