He's saying as a bicyclist without insurance, he has no advocate with the insurance company. If he were in a car (and thus insured as required by law) then his

He's saying as a bicyclist without insurance, he has no advocate with the insurance company. If he were in a car (and thus insured as required by law) then his insurance company would duke out a settlement with the other driver's insurance company. If you're just a Joe talking to someone's insurance company you're gonna get the short end.