Bicycle Accident Attorney
There’s nothing quite like hitting the open road on your bike. When you’re ready for fresh air, a bike can be the perfect thing to help you get a little exercise while getting some sun and feeling the breeze. However, while warm-weather states are perfect for riding bikes, they can also be the most dangerous. Bicycles can seem like a gray area for everyone on the road. They’re not motor vehicles but they’re also not pedestrians. It is crucial for all bicycle riders to understand what rules they are supposed to follow, where they are supposed to ride their bikes, and what kind of safety gear may be necessary to avoid serious injury in case of an accident.
Understanding How Insurance Plays a Role in Bicycle Riding
No one wants to think about getting into an accident. However, you do want to know who would be paying for your injuries and property damage if an accident occurs. When it comes to getting into an accident on your bicycle, there are going to be several types of coverage available, as a trusted attorney, like a bicycle accident attorney understands. The type of coverage you get will depend on how you get into an accident.
- The driver’s insurance company. If you get into an accident with a car on the road and the driver of that car caused the accident, you will be fighting for the at-fault driver’s insurance to cover your medical bills and property damage. The at-fault driver’s insurance may be able to cover all of your medical bills, lost wages if you cannot work, and pain and suffering if you have undergone any emotional distress as a result of the accident.
- Homeowner’s insurance. It is possible if you have renter’s or homeowner’s insurance that they will be able to cover your injuries as well as damage to your bike. This is most likely an option when someone else caused the accident, not if you are the liable party.
- Med Pay, or medical payments coverage. This is a type of insurance that can cover your medical bills if a driver hit you. However, it will probably only be something you can use if the driver hit you and fled the scene.
- Bicycle insurance coverage. Many insurance companies are providing bicycle insurance for their customers since this is becoming such a popular form of commuting and getting around. Because these are newer options, it is important to look at what kind of insurance coverage they provide and how you can tap into these insurances based on who was responsible for the accident.
These are just a few of your options when you are trying to determine what kind of insurance would cover you after a bicycle accident. You may feel like an under-protected commuter since you are not a pedestrian and you do not drive a car. However, many insurance policies are expanding their coverage to include bicycle riders, making it easier for you to get coverage after an accident.