If you are involved in an accident involving your bicycle, you may worry about paying for your own or someone else’s medical expenses or property damage. Many cyclists do not realize all of the coverage options available to them.
The Driver’s Liability Auto Insurance Coverage
Suppose you are in an accident involving an automobile while riding your bicycle. In that case, the automobile driver’s liability auto insurance may cover your injuries and bicycle damages, but this depends on the policy coverage limits. If your damages exceed the policy limit, you may want to take legal action to increase your compensation.
Your Liability Auto Insurance Coverage
When you are responsible for your injuries from a collision with a car, you might be able to use your auto insurance to help pay for your medical expenses, provided that your policy has a personal liability rider. Unfortunately, this coverage will not include your bicycle if it needs repairs or replacement.
Your Uninsured Driver Auto Insurance Coverage
If you have uninsured motorist coverage, you can use that to pay for your medical expenses when your bicycle collides with a car whose driver is at fault but does not have insurance or sufficient coverage. If you live in a no-fault state, you can combine this with your mandatory personal injury protection coverage to receive the maximum benefit.
Your MedPay Auto Insurance Coverage
If you have personal injury auto insurance protection, it may be wise to supplement it with Medical Payments coverage. This additional insurance can be especially useful to help pay for the deductibles required by your personal injury policy or your standard health insurance.
Other Types of Insurance
If you are a cyclist, it is wise to evaluate your car insurance to ensure that it covers expenses due to possible accidents while riding. If you do not opt for the full range of auto insurance coverage, you can rely upon the following:
- Homeowner’s and renter’s insurance provides coverage for other individuals and their property, not including a car, if you injure or damage them with your bicycle.
- Health insurance covers medical expenses for yourself whether or not your accident involves a vehicle; however, if you must satisfy an unwieldy deductible before benefits apply, you may want to consider legal action if you are not at fault.
It can be challenging to understand the range of insurance options available for cyclists. An experienced lawyer, like a bicycle accident lawyer in Indianapolis, IN from Ward & Ward Law Firm, can help you maximize your coverage after an accident.