UM/UIM Coverage is a Must Have for Cyclists
Corina Tennies
November 6, 2026
Not too long ago, I shared an Instagram post that mentioned uninsured and underinsured motorist coverage. Then came the questions. After a few phone calls, I decided this oldie-but-goodie post was due for an update. Here’s what cyclists should know about uninsured motorist (UM) and underinsured motorist (UIM) coverage – including how arbitration works if you and your insurance company