Thank you, Mr. Fredy Guiracocha for standing up to a sh*tty insurance company and defending your son. I hope he has had a swift recovery.
So if you own a car and have insurance, your own insurance must cover you. But if you don't own a car and travel by bicycle or public transportation you're SOL and this court ruling does you no good at all.
If you ride a bike where can you buy insurance with uninsured motorist protection?
They also do motorcycle insurance through their parent company.