Your car insurance will not cover a bicycle accident, but the other motorist’s insurance will cover some costs up to the limits of the policy, if you are in an accident with a motor vehicle. California requires all motor vehicle drivers to obtain a minimum amount of insurance coverage, including $15,000 per person, $30,000 per incident, and $5,000 for property damage. However, motor vehicle drivers in Orange County and Irvine generally have higher limits of insurance to compensate you for your injuries.