Does Auto Insurance Cover a Bicycle Wreck?
If you have been injured in a bicycle accident, you may be left wondering how you can recover compensation for damages. While your health insurance may assist in paying your medical expenses, how can you cover other expenses that may arise, such as lost wages, property damage, or pain and suffering?
You may be surprised to learn that many auto insurance policies also cover injuries you sustain if you are on a bicycle and involved in an accident with a motor vehicle.
To receive a free consultation with a Tucson bicycle accident lawyer, call Zinda Law Group today at (800) 863-5312.
Awards & Recognition
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2016-2020)
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2017-2020)
AWARDED TO JOHN C. (JACK) ZINDA (2016-2020), JOE CAPUTO (2016 – 2020) & BURGESS WILLIAMS (2016-2017) BY THE NATIONAL TRIAL LAWYERS ASSOCIATION
LIFETIME MEMBERS JOHN C. (JACK) ZINDA, JOE CAPUTO, BURGESS WILLIAMS, NEIL SOLOMON, & JASON ALDRIDGE
AWARDED TO JOHN C. (JACK) ZINDA (2009, 2011-2012, 2014-2021), JOE CAPUTO (2019-2021), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2020-2021), & CHRISTINA HAGEN (2021) BY SUPER LAWYERS (A THOMPSON REUTERS COMPANY)
MEMBERS JOHN C. (JACK) ZINDA (2017-2020), JOE CAPUTO (2019-2020), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2019-2020), COLE GUMM (2019-2020), CHRISTINA HAGEN (2020) & BRENDAN MCQUAID (2020)
LIFETIME MEMBERS JOHN C. (JACK) ZINDA & JOE CAPUTO
AWARDED TO ZINDA LAW GROUP (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO JOHN C. (JACK) ZINDA IN 2015, 2016, 2017, AND 2020
AWARDED TO JOE CAPUTO (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO ZINDA LAW GROUP IN 2018 BY INC.
Awarded to John C (Jack) Zinda (2021) by the American Association for Justice
I contacted Zinda Law Group after getting nowhere on my own with a personal injury case. I am so thankful I did. They took it off my plate and handled everything from appointments, to phone calls, and emails.
I did not know what to do. I had never been hurt in a wreck before and this was a major accident that was not my fault. I reached out to Zinda Law Group and they were fantastic, answered all my questions, got me help immediately, and took care of everything!!
There comes a time when you need someone in your corner that you can trust. Our time came when we knew we needed the advice and counsel of an attorney. The day we walked into Zinda Law Group we knew we were covered.
Everyone was so professional and was very interested in helping me with my issues. They were very upfront and honest about what I could expect.
This is a really great firm! They settled my personal injury case in a year. Throughout the whole process, they were keeping in touch with me and helping me get the best treatment possible. They honestly know what they are doing. It was a pleasure working with these guys.
There is a reason why this law firm has a 5 star rating. My experience with personal injury attorney Joe Caputo and all of the staff at Zinda Law Group has been excellent... I would definitely recommend Zinda Law Group.
Am I Covered?
For auto insurance to apply to your bicycle accident, one of the vehicles in the accident must be a motor vehicle. Your auto insurance will not cover accidents involving only bicycles. Unfortunately, not all insurance policies are created equal.
Consult your auto insurance policy to determine if it includes personal injury protection or “Med-Pay.” These provisions usually cover injuries sustained by cyclists. Moreover, these policy provisions go above and beyond your health insurance by covering not only medical expenses but also resulting lost wages. Additionally, these provisions extend to all individuals listed as drivers on the policy, and often, all resident relatives of the policyholder.
What If the Driver Is at Fault?
If the driver is at fault, their liability insurance should pay all of the cyclist’s expenses. Unfortunately, a cyclist may be the victim of a hit and run or find that the driver involved is uninsured or underinsured. In such cases, the cyclist may turn to their auto insurance to cover expenses.
If the cyclist’s auto insurance policy has uninsured or underinsured motorist coverage, such provisions will likely cover the resulting medical bills and property damage, even if the policy does not have personal injury protection coverage or Med-Pay.
What If I Am at Fault?
If you are the cause of the accident, the driver’s insurance will not cover any of your expenses. In situations such as this, cyclists are forced to rely on their health insurance and provisions such as Med-Pay within their own insurance policies to cover medical bills.
Considering the substantial injuries and expenses that can face a cyclist after an accident, if you are an avid cyclist, it would be wise to consult your auto insurance policy and adjust your coverage as needed.
Experienced Tucson Bicycle Accident Lawyers
Dealing with insurance companies can be confusing and overwhelming. If you or a loved one was injured in a bicycle accident involving a motor vehicle, you may need assistance recovering the compensation you are entitled to under the law. An experienced bicycle injury lawyer can assist you with obtaining the full compensation available to you.
Call Zinda Law Group today at (800) 863-5312 to speak with a Tucson bicycle accident lawyer for free. Meetings with attorneys by appointment only.