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Bicycle Accidents and Insurance Coverage

Personal Injury Lawyer

How does someone pay for damages sustained in a bicycle accident? Whether you’re out on the road every day or just once in a while, it’s possible you could be in an accident either by yourself, with another bicyclist or with the driver of a vehicle. What kind of insurance covers you in these situations? The following should help you understand the basics.

Auto Insurance

If your bicycle accident involves a vehicle, you are generally covered under the driver’s auto insurance policy, as well as your auto insurance policy. If the other driver is at-fault, the claim will fall on his or her shoulders and you will need to work with the other insurance provider to receive proper compensation.

If the accident was your fault and you are properly insured, you should have coverage called Personal Injury Protection, or PIP. This type of insurance covers you in an auto accident, even if you were on a bicycle.

Homeowner’s or Renter’s Insurance

It’s possible your homeowner’s or renter’s insurance policy covers bicycle accidents. Perhaps your bike was damaged during a car accident while connected to the rack on your car. Homeowner’s or renter’s insurance typically covers the damage. If you were in an accident by yourself, such as riding your bike into a tree or rolling down a hill, you could have coverage if you previously scheduled the bike to your policy as an individual item.

Personal Health Insurance

Injuries sustained in a bicycle accident could also be covered by your personal health insurance if you have no other option. For example, if the driver who hit you wasn’t insured, you don’t have auto insurance because you don’t own a car and you haven’t gotten around to purchasing renter’s insurance, you could find yourself in a tricky situation. Luckily, you would have personal health insurance to at least cover your medical expenses.

Receiving Legal Assistance

Whether there’s insurance coverage available or not, it’s always nice to have legal assistance to help you through these situations. A bicycle accident lawyer can help you seek proper damages after a bike accident. He or she can help you write up the complaint, serve the defendant and battle it out in court if that’s where your case ends up. Investigations, witness interviews and evidence collection can be handled by an attorney, as can insurance claims.

Contacting Your Attorney Today

As you can see, there’s a lot that goes into receiving compensation after a bicycle accident. Whether you understand your rights and options or not, contact a Canoga Park bike accident attorney today to receive the legal assistance you deserve.

Thanks to Barry P. Goldberg for their insight into personal injury claims and insurance coverage for a bicycle accident.