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Does Auto Insurance Cover a Bicycle Collision?

If you are out riding your bicycle and are struck by a car and hurt, what are your options? Other than seeking coverage from your own health insurance company do you have any options for seeking compensation for your injuries, loss of time from work, medical expenses and more? Odds are that the answer is “Yes!”

Most car insurance policies cover losses such as injuries, medical expenses, lost wages, and suffering caused by accidents involving a car and a bicyclist. This is true for the insurance policy of the vehicle that hit the bicycle rider, but in many instances also applies to the bicycle rider’s own car insurance.

The first thing someone wants to know after they were involved in a bike accident is whether or not auto insurance will cover the damages. There may be hospital bills, lost wages and you will probably need a new bike. With some bicycles these days costing upwards of a thousand dollars, this alone can be a huge concern.

Though every insurance policy differs somewhat,  your car insurance will likely cover a bike accident if the following criteria are met:

• This accident must involve a motor vehicle. It doesn’t matter if you are on a bike, motorcycle, ATV, in a van or truck, as long as at least one of the vehicles in the accident is an automobile, your auto insurance should cover it.

• You must have P.I.P coverage on your auto policy. This is also sometimes referred to as “Med-Pay”.  If you enjoy riding your bike out on the streets or if you ride a fairly expensive bicycle, then you might consider increasing your coverage. An accident between a car and a bicycle might destroy the bike and leave its rider with huge medical bills.

Proving Negligence to Get Compensation

The crash is almost always the result of somebody’s negligence, be it the driver of the car or the bicyclist. If the negligent party is the driver, the cyclist has a legal right to be compensated for his or her injuries. Negotiations with the driver’s insurance company will always focus on who was negligent, and to what degree. If the cyclist and the insurance company can agree on the question of negligence and the amount of compensation, the case will be settled. If they cannot reach an agreement, it will be necessary for the cyclist to prove that the driver was negligent in a court of law in order to recover compensation for the injuries received. 

Because lawsuits can be time-consuming and expensive, the vast majority of injury cases with insurance companies are settled out of court. However, since the legal issues can be complex, cyclists who have suffered injuries should always discuss their case with a bike accident attorney before talking with the driver or their insurance company.

Get Help From Our Bike Accident Attorneys Today

If you or a family member have been injured while riding your bike then you may need a qualified bike injury lawyer. Since injuries can be severe for bike riders, you could need expensive medical treatment and will want to recover any lost wages. Though your own auto policy may cover some of the expenses, if the automobile driver was at fault, their insurance should have to pay all expenses. Very often though, insurance companies stall or try to blame the bike rider for the accident.

For years, Zinda Law Group has represented bike riders and others who find themselves facing expenses they shouldn’t have to pay. You should retain a qualified attorney in order to seek the full compensation you deserve. With an excellent law firm like Zinda Law Group on your side, you can be sure that your interests and rights will be protected. Our staff and attorneys are accessible anytime you have questions about your case. So call 800-863-5312 to speak with an experienced bike accident attorney today and get your questions answered with a free consultation.



 

800-863-5312