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...

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UPDATED: Oct 31, 2012

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Insurance Question from Hopkins, MN

Asked on 10/31/2012

My son is an insured under my Minnesota auto policy. He got hit on his bike. the driver fled the scene. Trying to figure out if my basic PIP or UM/UIM coverages will apply. Health deductible will be $3000, his bike is gone, and he had some clothes that are trashed. He is a full time student. Can I get reimbursed on any of these expenses?

Answer given on November 01, 2012

Auto insurance policies that include uninsured/underinsured motorist coverage, covers a person who is in the car or a pedestrian. It does not include injuries caused while a person is on a bicycle. PIP coverage is not used in all states, and the coverage varies by each state. Contact your agent or insurance company to see if PIP will cover the injuries caused by the accident. Be sure te explain that your son was on a bicycle, and not a pedestrian.Unfortunately, the damage to the bike and clothing will not be covered by the auto insurance. If your son lives with you, you can check to see if the homeowner policy will cover the damage to the bike and his clothing. However, your homeowner deductible will apply. If your son is not considered a member of your household, then nothing will be covered by your homeowner policy.


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