You are hit by a car while riding your bicycle. It was the car’s fault. Will your auto insurance policy provide benefits (assuming that the person who hit you also has insurance)?
Correct Answer: Maybe
IF you have Personal Injury Protection (“PIP”) insurance, your own automobile policy will pay your medical bills – even if you are riding your bike while you are injured. IF you have Underinsured Motorist insurance (“UIM”), your own automobile insurance policy will pay you, as required by law, for your “pain and suffering” if the person who caused the collision does not have enough insurance – even if you are riding your bike while you are injured. Everyone should have both PIP and UIM.