Does Auto Insurance Cover Bike Accidents?

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CALL (800) 863-5312 for a free consultation with a Colorado Bike Accident Lawyer AND ASK, “dOES AUTO INSURANCE COVER BIKE ACCIDENTS?”

Imagine this—you’re riding your bike along a Colorado mountain road, maybe headed toward Pike’s Peak, admiring the scenery when a car drives up next to you. The car hits you, or maybe it gets too close to you and forces you off the road. Either way, you have suffered serious injuries, and are left wondering whether you can hold that driver responsible for your damages.

If you or a loved one has been injured in a bike accident while riding in Colorado, call Zinda Law Group at (800) 863-5312 for a 100% free consultation with a Colorado bike accident attorney. We can help you seek maximum compensation for your injuries and guide you through the legal process.

What should i do after the accident?

After a bike accident, you may be shaken up and injured. As soon as possible, report the accident to the police, document the accident for yourself, and seek medical attention for your injuries.

Report the Accident

If you are in a bike accident, Colorado law requires you to provide the other people involved with your name and address. This requires you to show your driver’s license to anyone involved who asks to see it. If you are uncomfortable doing this without a police officer present or are unable to exchange information, you should call the police to come to the scene and help you.

After the accident, file a police report detailing what happened. If you call the police, an officer will come to the scene to obtain information about what happened and who was involved. The officer will ask you and any witnesses questions. Any information the officer collects will be included in the accident report.

It is not guaranteed that an officer will be dispatched to the scene, especially if the accident was minor; if the police do not come to the scene, you can still report the accident by going to the nearest police station or by filling out a form online. Before leaving the scene, provide any other people involved with your name, phone number, and insurance information. If you choose to fill out a report online, you must do so within 60 days of the accident.

Once a report is filed, you can request a copy of it online; this requires you to pay a small fee and to fill out a Requestor Release and Affidavit of Intended Use. The Requestor Release and Affidavit of Intended Use can be found online at the Colorado DMV website. After you complete the form, and specify your intended use for requesting a copy, it takes about 90 days to receive a copy of the report in your mailbox.

Document the Accident

When you are able to, document the accident for your own records. This may include taking photos of:

  • Where the accident occurred
  • Damage done to your bicycle or protective gear
  • Damage done to the motor vehicle
  • Injuries you suffered

You may also want to write down in your cell phone or on paper the time of the accident and how it happened. Even if the police collect the vehicle driver’s contact and insurance information, you should also be sure to document this. You may also want to document the make and model, license plate, and any other defining characteristics about the vehicle that hit you; this information may be helpful if you choose to file a claim with an insurance company or speak with a bike accident attorney in Colorado.

Seek Medical Attention

Bike accidents can be some of the most dangerous, as bikers are considered extremely vulnerable road users. One common injury suffered by victims of bike accidents is broken bones, particularly collar bones. Collar bone breaks take about 6 weeks to heal, and may require you to wear a sling.

Another common injury is muscle strains. You may be sore after being involved in a bike accident, and it is important to see a physical therapist to determine whether you need to perform any stretching or strengthening exercises before resuming normal activities. You may also want to see an osteopathic doctor to help relieve any muscle pain or aches you may be suffering as a result of the accident.

A less severe, but still common, injury you may experience is road rash. Road rash is like a big cut, and occurs when you fall off your bike and slide across the road. Clean this wound as soon as possible to prevent infection and see a doctor to determine whether your road rash requires additional treatment.

It is important you wear a helmet while riding a bike, but even if you are wearing a helmet it is still possible to get a concussion as a result of a bike accident. Concussion symptoms might not arise immediately. If, after the accident, your bike helmet is cracked, this may indicate that you suffered a head injury.

Common symptoms of concussions include headaches, ringing in your ears, fatigue, vomiting, nausea, or blurry vision. If you are experiencing any of these after your bike accident, see a doctor to determine whether you have a concussion and how to best treat it.

Was the accident my fault?

Colorado law requires bicyclists to ride with care on all roads. There are many rules a bicyclist must follow while riding, but some important ones to follow include:

  • Riding with traffic
  • Riding on paved shoulders or bike lanes
  • Obeying traffic laws, signs, and signals
  • Wearing a headlight or reflectors at night

Colorado law does not require you wear a helmet, but it is strongly recommended that you do so. Even where not required by law, it is best to always be vigilant about your safety when riding a bicycle, especially when on busy roads. For example, never ride while engaging in distracting activities, such as texting or talking on the phone.

Follow the rules of the road as if you were driving a car. Injured in an accident while riding your bike? Contact a in Colorado to determine whether you were following Colorado bike laws and best practices before your accident.   

Does Auto insurance cover bike accidents?

After the accident, you might be wondering whether auto insurance covers bike accidents too, and how to pay for your medical bills and damage done to your bicycle. The good news is, if your bike accident involved a vehicle, it could be covered under an auto insurance policy. If you were able to identify who hit you and document their information, you can file a claim directly against that person’s auto insurance policy.

Auto insurance policies treat accidents with bicycles the same way as they treat accidents with other vehicles, meaning you will be compensated if your claim is successful. You can seek compensation for your injuries and any damage to your bike protective gear. Contact a bike accident lawyer in Colorado to help you determine how to file a claim and what may be covered.

If you do not know who was responsible for hitting you or running you off the road, you may be able to seek compensation from your own auto insurance policy; your insurance can cover you for a bike accident in Colorado if you have the appropriate coverage included in your policy. For example, if your auto insurance policy covers medical bills, your insurer will pay your medical bills from the bike accident. Similarly, if your insurance covers personal injury protection for car accidents, you will also be covered in a bike accident; medical bills and personal injury protection costs will be covered regardless of who was at fault for the accident.

However, your own auto insurance policy does not cover all kinds of bicycle injuries. This means that if you were biking and rode down a steep path and got injured because of it, your insurance will not cover the injuries from that accident. Your auto insurance policy will only pay for your injuries if you are involved in an accident with a motor vehicle.

Contact a Bike accident lawyer in colorado

After a bike accident, you may want assistance determining who can be held responsible for the accident and how you can be compensated for your injuries or damage to your bike. A Colorado bike accident lawyer near you can help guide you through the legal process and seek maximum compensation.

call zinda law group today

At Zinda Law Group, our experienced Colorado bike accident attorneys can help you seek the compensation you deserve. Our attorneys have the experience necessary to help you build a strong case to reach a fair and just resolution of your insurance claim.

At Zinda Law Group, we believe that victims of bicycle accidents should not have to pay out of pocket for excellent lawyers to help seek compensation from insurance companies. That is why we have a No Win, No Fee Guarantee—so you do not have to pay a dime unless we receive a favorable verdict, judgment, or settlement in your case. If you or a loved one has been injured in a bicycle accident, call Zinda Law Group at (800) 863-5312 for a 100% free consultation with a bike accident lawyer in Colorado.

Meetings with attorneys are available by appointment only.