Does Auto Insurance Cover a Bicycle Crash in Austin?

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Riding a bicycle is frequently dangerous as an accident can cause severe and sometimes fatal injuries. Many bicycle accidents involve an automobile which can seriously injure a bicyclist in a collision. The aftermath of these accidents is often hectic as you try to recover from your injuries and seek compensation you may be entitled to.

Fortunately, you may be able to pursue compensation through an auto insurance policy. Many car insurance policies cover such losses as your injuries, medical bills, lost income, and pain and suffering from accidents which involve a car and a bicyclist. You may be able to seek compensation from the other driver’s car insurance policy as well as your own.

While each insurance policy is different, policies generally cover your bike accident when two main criteria are met. First, the bike accident must also involve a motor vehicle. The insurance policy must also generally include Personal Injury Protection, or “Med-Pay,” coverage.

Proving Negligence to Get Compensation for a Bike Accident

Generally, bicycle accidents are the result of someone’s negligence, and you may be entitled to compensation for your injuries if the other driver was negligent. To prove the driver’s liability, you may have to negotiate with the driver’s insurance company to show the driver was negligent and to what degree. In doing so, if you are able to agree with the insurer on the driver’s negligence and the amount of compensation you are entitled to, you may be able to settle your case without having to go to trial. However, if no agreement can be reached, you may have to prove the driver’s negligence in court as well as the extent of your injuries and the economic and non-economic compensation you may be entitled to.

While most lawsuits are generally settled out of court, some may have to go to trial if the negotiation process is unsuccessful in reaching a settlement. Because of the complexity and difficulty of pursuing compensation for a bicycle accident, you should begin by discussing your accident with an experienced bike accident attorney in Austin before talking with the driver or insurance company. A lawyer may help you better navigate this difficult process and may help you pursue compensation for your injuries.

Filing a Claim for a Bike Accident

Steps to help you pursue compensation for your bicycle accident include:

  • Get Injuries Evaluated by a Medical Professional: You should seek immediate medical attention for your injuries even if you may not immediately appear to have been hurt. Be sure to document your injuries and medical expenses as this documentation may often be very important in proving your damages.
  • Notify Insurance of the Accident: You should notify your own auto insurance company of your accident as well as the other driver’s insurer.
  • Contact an Attorney: Contacting an experienced attorney as soon as possible after your accident may often be crucial in helping you pursue compensation for your injuries. your attorney may be able to investigate your accident and gather evidence to prove the other driver’s liability for your injuries. A lawyer may also negotiate with the insurer on your behalf and help level the playing field as the insurer attempts to keep its costs as low as possible.


If you or a loved one has been injured in a bicycle accident, you may be entitled to compensation for your injuries. Pursuing compensation may often be a confusing process, especially as you recover from your injuries. Your own auto insurance policy may cover some of your expenses, but the car insurance policy for the driver who hit you may be liable for your expenses if that driver was at fault in causing your accident. However, negotiating with an insurance company may often be complicated and difficult as the insurer attempts to keep its costs as low as possible. Contacting an experienced Austin bike accident lawyer may help you navigate this process and seek the compensation you may be entitled to.

At Zinda Law Group, our Austin bicycle accident attorneys are here to assist you with your claim. We help our clients pursue the maximum compensation they may be entitled to as a victim of a bicycle accident.

Call (512) 246-2224 today for a free consultation with one of our bicycle accident attorneys. As one of our clients, you will not pay anything unless we can win your bicycle accident case.

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