If you’ve been injured in a bicycle accident, you’re likely facing medical bills, lost income, and a range of emotional and physical challenges. As our Raleigh, NC bicycle accident lawyer can explain, one of the most confusing aspects of the recovery process is understanding how insurance plays into your claim. Unlike car accidents, where insurance coverage is more straightforward, bicycle accident claims can involve multiple insurance policies and providers.
Here’s a breakdown of how insurance works in bicycle accident claims and what you need to know to protect your rights and maximize your compensation.
Auto Insurance (The At-Fault Driver’s Policy)
If you were hit by a car while riding your bike, the at-fault driver’s auto insurance will typically be the primary source of compensation. Most states require drivers to carry liability insurance, which covers injuries and property damage they cause to others.
You may be entitled to compensation for:
- Medical expenses
- Lost wages
- Pain and suffering
- Bicycle and gear damage
Important tip: Never accept a quick settlement offer from the driver’s insurance company without legal advice—it’s often far less than you’re entitled to.
Your Own Auto Insurance (Uninsured/Underinsured Motorist Coverage)
If the driver who hit you doesn’t have insurance or has too little coverage, your own uninsured/underinsured motorist (UM/UIM) coverage may come into play—even though you weren’t in a car. Many people don’t realize that their car insurance can cover them as a cyclist or pedestrian.
UM/UIM coverage can help pay for:
- Medical treatment
- Rehabilitation
- Lost income
- Non-economic damages like pain and suffering
Medical Payments Coverage (MedPay)
MedPay is an optional part of some auto insurance policies that pays for medical bills after an accident, regardless of fault. If you have MedPay, it can cover your immediate out-of-pocket expenses like ER visits, co-pays, or ambulance rides.
Keep in mind, MedPay does not compensate you for lost wages or pain and suffering.
Health Insurance
Your health insurance may help cover medical costs related to your bicycle accident. While it can provide immediate support, it may not cover all treatments, and you may be responsible for deductibles and co-pays. In addition, your health insurer may seek reimbursement (subrogation) from any settlement or award you receive from the at-fault party’s insurance.
Homeowners Or Renter’s Insurance
In some cases, if another cyclist or pedestrian causes your accident, their homeowners or renters insurance may apply. These policies often include personal liability coverage that protects the insured from lawsuits related to injuries they cause outside the home.
Filing A Claim Vs. Filing A Lawsuit
Most bicycle accident claims begin as insurance claims. If a fair settlement isn’t offered, your lawyer may advise filing a personal injury lawsuit to pursue full compensation. A lawsuit can apply pressure and may result in a higher payout—especially if liability is disputed.
Navigating the insurance process after a bicycle accident can be overwhelming, especially when you’re trying to recover physically and emotionally. That’s why it’s crucial to speak with a bicycle accident lawyer who understands how to coordinate insurance benefits, challenge unfair denials, and fight for the compensation you deserve.
Don’t leave your future in the hands of an insurance company. Know your rights—and make sure someone is advocating for them. At Burton Law Firm, we are here to help you.