This is a subject that everyone who rides a bike does not want to think about, but is very important. If you ever get into an accident with a car when out riding it's always a good idea to call 911 and get a police report no matter how insignifigant you might think it is at the time. 30 years ago I was hit from behind by an 83 year old man that was not paying any attention to me. A friend of mine at a local well know law firm gave some great advice on what to do said, whatever you decide, never sign a release form from an insurance company until at least a year later. Hope you will never find a need for this!