Plaintiff/cyclist completed a 600-mile bike ride from San Francisco to Los Angeles to raise money for AIDS. After completing the ride, he returned to San Francisco, picked up his bicycle from the gear truck, he was riding home and subsequently hit by a car driven by a nurse. Thankfully, the nurse insisted on providing transport to the injured cyclist to the ER. Cyclist underwent surgery on his hand and has suffered permanent injury requiring future career change from massage therapist due to his injury. Cyclist settled for full policy limits $250,000.00.