So 3 weeks ago on Sunday the weather got nice and me and my wife went out for a ride. We both have our own bikes. Got a bite to eat then went to a park by the river. After that we got some gas and headed home which was only 3 blocks away. Guy from a small side street started to edge out while we were heading down the road. He came out further then stopped right in the path of my wife who was about 50 feet in front of me. She tried to stop but hit the front of this pick up truck. Totally bent in the forks to the frame and she was tossed off the bike and slide down the street about 30 feet. She had a 3/4 helmet, heavy leather jacket, heavy leather gloves and good boots on. Her wrist ended up being broken. 2 days later his insurance company called us and said he dosent have any coverage with them. I only took pics of all the info I was given and when I looked back at it his insurance paper it was out of date. The cop was at the scene and only took our info because she was taken to the hospital. They needed to operate on her wrist and put a plate in her wrist. She is feeling better and starting therapy next week. We did have collision but not uninsured and under insured. We never really looked into what this meant to us but I really wished we did. We are adding it back on now. In the end I think we got lucky that she wasn't injured worse. She cant wait to go shopping for a new bike. Progressive is sending all of her medical bills directly to the other driver.