Bicycle vs Pedestrian Injury Accidents – Insurance Coverage

Sometimes there are collisions between bicyclists and pedestrians which result in injuries, such as a recently reported collision between a bicyclist and teen pedestrian at Market and Third Streets in San Francisco.  I am often asked whether there is any liability insurance which may cover the bicyclist or pedestrian in such circumstances.  While motor vehicle liability or uninsured/underinsured motorist coverage applies when a pedestrian or bicyclist is injured by a motorist, such insurance does not apply to a bicycle vs. pedestrian accident.  However, the bicyclist’s or pedestrian’s Homeowner’s or Renter’s liability insurance may cover the at-fault party in a bicycle vs. pedestrian accident.