Car free cyclists run the risk of being victimized by uninsured or under insured motorists. As I have stated many times in the past, most people in Illinois don't care about under insured or uninsured drivers because most people in the state of Illinois drive cars. Since most people are drivers, they probably have their own uninsured motorist coverage under their auto policy. Most auto policies offer $100,000 to $250,000 in uninsured or under insured motorist coverage. Driver's don't care about uninsured motorists, becuase they have their own insurance coverage that will be activated by a collision with an under insured or uninsured motorist.
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