How Does Allstate Insurance Value a Bicycle Injury Claim?

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Bicycle accidents in the United States are extremely prevalent. According to the Center for Disease Control and Prevention, more than 1,000 bicyclists died in the United States in 2015. Additionally, there were over 460,000 bicycle-related injuries that same year.

If you have been injured in a bicycle accident, you may have to deal with the at-fault driver’s insurance company, and Allstate is one of the largest insurers in the nation. Like all insurance companies, Allstate is primarily concerned with making a profit, and it does so by minimizing how much it pays out in injury claims.

After your bicycle injury, you need accident attorneys experienced in handling the insurance companies. Call Zinda Law Group at (800) 863-5312 for a free consultation with a skilled bicycle accident attorney in El Paso.

How Allstate Handles Bicycle Injury Claims

Whether or not you are a bicyclist, it is important to understand how insurance companies value bicycle accident claims. If you have the right type of car insurance, you should be covered whether you are the driver of the car or the unfortunate victim of the accident.

Most car insurance policies will cover injuries, medical expenses, and property damage related to an accident involving a motor vehicle. The amount of coverage will depend on specific policy limits.

Modified Comparative Negligence

The extent each party is at fault is the most important factor affecting how much Allstate is likely to pay. States vary on how they treat the issue of fault depending on the amount of fault of the injured party.

Texas applies the 51% modified comparative fault rule. This means that an injured party cannot recover any damages if they were more than 50% at fault for the accident.

If you are injured in a bicycle accident, in order to recover damages from the other party, you must prove that you were 50% or less at fault for the accident.

Severity of the Injuries

The value Allstate will put on your claim will also depend on the severity of your injuries. If the injuries are minor, the claim may not be worth as much as if you suffered permanent physical disability or disfigurement.

Medical expenses and any necessary continued medical treatment will be taken into consideration in order to determine what your claim is worth.

Damage to Property

Another factor in determining how much your claim is worth will depend on the damage to your bicycle. You will need to provide Allstate with the value of your bicycle before the accident. Make sure to include any improvements or additions you made to enhance the value of the bicycle.

Whether the bicycle can be repaired or needs to be replaced will also affect the value of the claim.

Loss of Expected Income

If your injuries prevent you from working, you may be entitled to loss of income related to the accident. Damages of this nature will be another factor that Allstate will use in order to determine the value of your claim.

Our El Paso Bicycle Accident Attorneys Can Help

At Zinda Law Group, our El Paso injury lawyers have helped thousands of accident victims get their lives back on track after suffering an injury. We have the knowledge and resources necessary to help you build the strongest claim possible and pursue maximum compensation for medical bills, property damage, loss of income, pain and suffering, and much more.

Our firm also believes an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.

If you or a loved one has been injured in a bicycle accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with one of our experienced El Paso bicycle accident lawyers. Meetings with attorneys by appointment only.