If another vehicle caused you injury, then you would be entitled to pursue the at-fault driver’s insurance policy. If a hit-and-run driver injured you or your bike, your uninsured motorist coverage may apply.
A bicycle accident is, in many ways, similar to a car accident. Remember that insurance companies want to settle and they want to make the best deal for the insurance company – not you. Do not talk to any representative, including your own insurance company, without legal representation. Do not agree to a taped conversation without legal representation.