---
title: When a Bicycle Hits a Car, What Insurance pays?
description: insurance agent CT, insurance agency CT, insurance Connecticut
---

# When a Bicycle Hits a Car, What Insurance pays?

* * *

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.

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