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Yes, often more than people expect. When a cyclist gets hit by a driver who carries no insurance, the first reaction is usually frustration, then panic. Medical bills start coming in. A bike that cost several thousand dollars may be mangled. Work gets missed. If the injuries involve a shoulder, wrist, knee, or head, the fallout can stretch for months. Then comes the obvious question: if the driver has no coverage, is there any money to recover?

University neighborhoods create a strange mix of energy and risk for cyclists. Streets stay busy from early morning classes through late night rides home. Drivers hunt for parking, delivery vans stop where they should not, rideshare vehicles cut across bike lanes, and students on bikes often move fast because they are trying to make a lecture, a shift, or a train. In Denver, that mix can turn a routine ride into a serious crash in seconds. A Bicycle A

A bicycle crash can throw your life off course in a matter of seconds. One distracted driver, one careless left turn, one car door swinging open into a bike lane, and suddenly you are dealing with an ambulance ride, missed work, a damaged bike, and a stack of insurance paperwork you did not ask for. In Denver, where cycling is part of daily life for commuters, recreational riders, and serious athletes alike, these cases come up more often than many people rea