When an out of state bicyclist is injured in an accident, the insurance from their state may be applicable. For example, if an out-of-state bicyclist is struck by an uninsured motorist, the insurance company for the biker covers any injuries. This is a benefit that an out-of-state bicyclist receives from their own insurance company in the case of an accident. Additionally, health insurance follows the individual. It is important to consult an insurance policy when there is an issue of a bicycle accident happening out of state.