Auto and motorcycle insurance, homeowners or renters insurance, special bicycle insurance, and even health insurance can cover bicycle accidents. Las Vegas sees its share of bike injuries, and cyclists can better protect themselves by understanding what insurance covers bicycle accidents. Of course, the answer is not always straightforward. It may depend on the types of insurance available in the situation, the policy limits, who is at fault in the accident, the types of damages, and the cooperation of the insurer, among other things.