So I am in the process of buying insurance for myself, since I am a bike commuter I am curious how it works if, God forbid, I get hit by a car and sent to the ER? I was looking at deductibles and trying to guess which might be best but then I wondered if it's the car's fault does their insurance have to cover it then? I don't know what would happen if they don't have insurance either? Hmmmmmmmmm... anyone have any ideas?