Cyclists must follow the same basic traffic regulations as motorists. In addition, in some states, cyclists must wear a helmet. In most jurisdictions, riding a bicycle while intoxicated is just as serious as drunk driving, and drunken cyclists can be held liable or partly liable for traffic accidents in which they're involved. Similarly, cyclists must observe care and responsibility in traffic, and it's usually an offense to carry more people than the bicycle was designed for or to otherwise bicycle recklessly. Since bicyclists don't normally carry specific insurance, if an accident occurs in a fault state, which is a state in which third-party liability is the norm, the cyclist may sue the driver who caused the accident for damages. Often, such a lawsuit results in an out-of-court settlement by the liable motorist's insurance company. In a no-fault state, the cyclist may be covered by his or her own auto or medical insurance. If this is not the case, the injured cyclist may be treated in the same manner as an injured pedestrian, whereby the court can award damages, generally up to $10,000 (ten thousand dollars), to cover medical expenses. In many no-fault states, motorists are required to carry a certain amount of third-party liability coverage specifically for such eventualities. If you're injured in a bicycle accident and need further information about liability or compensation, contact an attorney.