Of course you know what happens when you’re involved in a fender bender in your vehicle. The insurance of the individual who ran into you will pay for the damages to your car, plus any medical bills you may incur. But what happens if you’re on a bicycle and an individual in a car hits you and knocks you off your bike? Lots of people feel that just because there’s no insurance involved in bicycle ownership they have no option for coverage in this situation occurs. Fortunately for you this is never the case.