If your car was hit and damaged by a bicyclist to which policy—household auto or homeowners—should you look to recover for the damage caused by the bicyclist’s negligence?
The bicyclist’s homeowners policy. The personal auto policy insures autos and trailers for property damage liability, but excludes vehicles having less than four wheels (e.g., a motorcycle or bicycle). The homeowners policy only excludes the operation of “motorized” vehicles, so coverage will apply to the use of a bicycle.
