Most people don't realize that they can file a claim with their own car insurance company even if they were injured on their bicycle. Uninsured motorist (UM) coverage follows the policyholder whether they're a bicyclist, pedestrian, or in another person's vehicle. It's available when the at-fault driver doesn't carry liability insurance.
However, UM is optional coverage. You'll need to check your policy to determine whether you have this coverage and what limits you chose to purchase. When you file a UM claim, you could pursue compensation for your medical bills, lost wages, and property damage. Some policies will even compensate for your pain and suffering.