Oregon has a fault-based insurance system, so whoever causes an accident is responsible for paying the damages and injured bicyclists can file a claim against the at-fault driver’s auto insurance policy. Your car insurance policy generally will not cover an accident that you caused while riding your bicycle, unless you have additional coverage, such as PIP that might apply. If a motor vehicle driver fled the scene, your uninsured motorist (UM) coverage will cover the damages up to the policy limits.