Biking season is here again! Before you start pedaling, read this blog our experienced bicycle accident lawyers put together about insurance and safety measures.
Bicyclists are covered by many types of insurance, from renters or homeowners to auto insurance. Even if you don’t have insurance, but someone you live with does, their plan could cover claims for injuries or damages from a bicycle accident.
No one wakes up thinking they’ll get in an accident, so remember to check if your current auto insurance provides underinsured/uninsured motorist coverage or medpay coverage, which is medical payment insurance.
UNINSURED OR UNDERINSURED MOTORIST COVERAGE
This part of auto insurance kicks in when the driver responsible for the crash:
- Can’t be identified.
- Has been identified but is uninsured.
- Causes a cyclist to crash without making contact with the bike and flees the scene.
- Has insurance that does not cover the damages suffered by the bicyclist.
Medpay coverage is another part of auto insurance that helps if you:
- Need money for medical expenses, whether or not you caused the accident.
- Need to pay your medical bills before your case settles.
- Your co-pays, deductibles, and other health care expenses aren’t fully covered by your health insurance.
The best way to avoid a bicycle injury is by being prepared for road conditions, following all traffic laws, and being aware of respectful of the vehicles and pedestrians you share the road with. In addition to following the rules of the road in your state (see the Illinois Bicycle Rules of the Road here),
Adopt these 5 practices to stay safe:
- Wear a helmet.
- Arm your bike with safety gear like reflector lights and pedals, reliable brakes, and a properly adjusted seat.
- Be aware of your surroundings; look and listen to the cars, bikers, and pedestrians around you.
- Put your phone away. Don’t let yourself get distracted by notifications; they can wait.
- Wear white or reflective clothing when riding at night.
In the event of an accident, talk to your insurance representative and lawyer about your options.
If you or someone you love was the victim of a bicycle accident, remember that you have a team of local attorneys ready to fight on your behalf. You may be entitled to significant compensation for your medical bills and time away from work. Our legal consultations are always free, so contact us at 800-774-7120 or email email@example.com.