Although bicycles are a great mode of transportation, they can also be dangerous due to the risks of sharing the road with larger and faster vehicles. Despite the use of bicycle lanes and other safety measures, cyclists are still likely to get into accidents with cars and pedestrians, although fatalities are more common with car accidents. When riding, cyclists are generally expected to follow the rules of the road as car drivers do, however, cyclists are not required to carry vehicle insurance. This can be a problem when a cyclist causes an accident with a car.
Car drivers are required to carry minimum insurance limits or otherwise show financial responsibility when operating cars in California. Cyclists are not required to carry any kind of insurance, however, there are some cyclists who opt to carry what is known as bicycle insurance, that offers coverage similar to that offered by car insurance. Depending on the individual insurance policy, this insurance can pay out a claim if the cyclist is responsible for causing an accident with a driver.