Doing your part for the environment and riding your bike as often as possible is a great thing, but it does put you at a greater risk of being injured if you are hit by a car. Unfortunately, those injuries can be quite serious due to the nature of this type of situation. If you were injured in an accident while riding a bike, you might wonder where your compensation is going to come from. You may be surprised to learn your auto insurance might cover the accident.
Bicycle Accident Coverage When the Accident Is Another Person’s Fault
In many cases, when another driver causes the auto accident, that individual’s auto insurance will pay for the injuries you sustain on your bike. What if the other driver is uninsured or underinsured? What if the accident is a hit and run? The good news is, if you have proper auto insurance, you might be covered in that way.
Your auto insurance is meant to protect you from auto-related accidents, not just those that include you being in your actual automobile. This means if you are riding a bike and get hit by a car, your insurance might cover it. Most insurance policies contain underinsured or uninsured coverage, which steps in to pay for your costs if the other driver hasn’t obtained proper coverage or flees the scene before you can get any information.
Bicycle Accident Coverage When the Accident Is Your Fault
If you are riding a bicycle and make a move that’s illegal or dangerous, resulting in you getting hit by a car, your auto accident might cover the incident. This includes the injuries and property damage of the driver of the car. The specifics should be outlined in your policy, but if you have any questions, you can always contact your insurer to learn the details of coverage. If you only have liability coverage, you may not receive a payout for your own injuries or property damage, but the other driver would receive compensation.
Contacting a Lawyer for Assistance
Regardless of whether a bicycle/auto accident you were involved in is your fault or the fault of the other party, it’s important you understand insurance and what type of coverage you might be entitled to. A bike accident lawyer in Las Vegas, NV, like from The Law Office of Eglet Adams, can help to explain the situation to you, and can also assist you if your situation involves a lawsuit. Contact a car accident lawyer today to get the help you need.