Bicycle accidents can cause serious injuries even at low speeds. It’s good to know that speaking with an injury attorney is free, so it’s always worth getting a consultation. In this post, I’ll cover the basics of bicycle injury insurance claims to help you understand the process and what to expect.
First and foremost, it’s important to understand that bicycle accidents are typically covered by the at-fault driver’s car insurance, or homeowners insurance if you’re involved in a collision with another cyclist. If the driver does not have insurance or does not have enough coverage to pay for your damages, you may be able to make a claim under your own insurance policy or through the uninsured/underinsured motorist coverage provided by your own auto insurance policy.
When making an insurance claim for a bicycle accident, you’ll need to provide evidence of the accident, including police reports, witness statements, and photographs of the scene. You’ll also need to document any injuries or property damage you incurred as a result of the accident. This may include medical bills, receipts for repair or replacement of your bicycle, and proof of lost wages if you were unable to work as a result of your injuries.
Insurance companies are in the business of making money, not paying out claims. They may try to dispute your claim or offer you a settlement that is lower than what you deserve. To protect your rights and ensure that you receive fair compensation, it’s a good idea to speak with an attorney before the insurance adjuster.
You may not hire an attorney and decide to negotiate with insurance company on your own. Having an understanding of how much your claim is worth and the insurance policy terms beforehand, helps you in the process. Seeking medical attention, filing police report and gathering evidence, can also help you present a stronger case.
Ultimately, the goal of a bicycle accident insurance claim is to cover the costs of any damages or injuries you incurred as a result of the accident. With the right documentation, a solid understanding of your legal rights, and the help of an attorney, if necessary, you can get the compensation you deserve and move on from the accident as smoothly as possible.