For cyclists

You were hit while cycling. You're not on your own.

Cyclists are among the most vulnerable road users. Insurers often underestimate both the physical and psychological impact.

THE QUESTION MOST CYCLISTS ASK

Can I claim if I was on a bike and do not own a car?

Usually yes

✓You can claim through the insurer of the vehicle involved

✓Your own auto policy may also cover you, if you have one

✓This applies even with no direct contact, such as a dooring or swerve

Not sure what coverage applies? Ask us, free and with no obligation.

As a cyclist

Depending on your circumstances

Which rules apply to your policy?

Ontario changed these rules on July 1, 2026. What matters is when your policy was purchased, not when your accident happened.

Worth knowing

Worth knowing before you deal with an insurer.

Being unfairly blamed for the accident

Difficulty proving injuries without immediate documentation

Limited awareness of available insurance coverage

Crashes without direct contact: swerving, dooring

Hit-and-run incidents with unidentified drivers

How we help

Determines available coverage

Even when no vehicle made direct contact.

Helps document injuries

Physical and psychological, from day one.

Handles insurer communication

You're not negotiating alone.

Builds the full picture

So your claim reflects the real impact, not just the visible one.

Write it once. We'll read it and get back to you.

Call

Send my situation

No spam, no cold calls. Your information stays confidential.