I ran across a pretty good article talking about being prepared should a motor vehicle driver strike you while cycling. You can read the full article on Bicycling’s website “What to Do Before (and Immediately After) a Driver Hits You“.
Here’s a “CliffsNote” version:
- Check insurance coverage, apparently most auto insurance covers you against uninsured/underinsured motorists even if you’re on your bicycle
- Ride with cameras, officers too often side with the motor vehicle driver in cyclist motor vehicle incidents
- Have emergency contacts easily available, some sort of physical document in case your phone is rendered inoperable in the wreck
- Have an action plan, sort of a checklist you and others in your usual riding group can follow should an incident occur