One common question that arises for cyclists involved in accidents is whether auto insurance will cover their injuries and damages. The answer depends on the specific circumstances of the accident and the insurance coverage in place.
Auto Insurance Coverage for Bicycle Accidents
1. Personal Injury Protection (PIP) and Medical Payments (MedPay): Some auto insurance policies include Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage, which can help cover medical expenses resulting from a bicycle accident, regardless of who is at fault. PIP and MedPay can cover medical bills, lost wages, and other related expenses.
2. Uninsured/Underinsured Motorist (UM/UIM) Coverage: If a cyclist is hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages, the cyclist’s own UM/UIM coverage may step in to cover medical bills, lost wages, and other costs.
3. Liability Coverage: If a cyclist is hit by a driver who is at fault, the driver’s liability insurance may cover the cyclist’s medical expenses, bike repair or replacement costs, and other damages. However, this depends on the liability limits of the driver’s policy.
Does Homeowners Insurance Cover Bicycle Accidents?
1. Personal Liability Coverage: Homeowners insurance typically includes personal liability coverage, which may cover injuries or damages caused by the policyholder or their family members, including bicycle accidents. This coverage can help pay for medical bills, legal fees, and other expenses if a cyclist is injured on the policyholder’s property.
2. Off-Premises Coverage: Some homeowners insurance policies also provide coverage for incidents that occur off the policyholder’s property, including bicycle accidents. This coverage may help pay for medical bills and other expenses if a cyclist is injured away from home.
What Insurance Covers Bicycle Accidents?
In addition to auto and homeowners insurance, there are other types of insurance that may cover bicycle accidents:
1. Health Insurance: Health insurance can help cover medical expenses resulting from a bicycle accident, including hospital stays, surgeries, and other treatments.
2. Bicycle Insurance: Some insurance companies offer specialized bicycle insurance policies that can cover theft, damage, and injuries related to cycling accidents. These policies may provide coverage that is not included in homeowners or auto insurance.
3. Umbrella Insurance: Umbrella insurance provides additional liability coverage beyond the limits of homeowners and auto insurance. This can be helpful in covering expenses related to a serious bicycle accident where the costs exceed the limits of other insurance policies.
Helpful Tips for Dealing with Bicycle Accidents
- Stay Calm: Remain calm and check yourself and others for injuries. If anyone is seriously injured, call 911 immediately.
- Exchange Information: Exchange contact and insurance information with the driver involved in the accident.
- Document the Scene: Take photos of the accident scene, including any visible injuries, damage to your bike, and the surrounding area.
- Seek Medical Attention: Even if you don’t feel seriously injured, it’s important to seek medical attention after a bicycle accident. Some injuries may not be immediately apparent.
- Report the Accident: Report the accident to your auto insurance company, even if you were riding a bike at the time. They can help determine if you have coverage for the accident.
- Consult an Attorney: If you’re unsure about your rights or if you’re facing difficulties with insurance companies, consider consulting a bicycle accident attorney. They can help protect your rights and guide you through the legal process.
Need Legal Help?
If you’ve been involved in a bicycle accident and need legal assistance, contact Shaumyan & Derbarseghian LLP today. Our experienced attorneys can help you understand your rights and pursue the compensation you deserve. Don’t wait—call us now for a free consultation.
