Do You Need Bike Accident Insurance?
One of the common questions people have when it comes to bicycle accidents is about insurance coverage. It’s a requirement to have auto coverage, but is it smart to have bike accident insurance as well? Well, the answer is, it depends.
Fault and Coverage
When you get into an accident with a vehicle, and the other vehicle is at fault, their insurance should cover your damages. That includes your medical bills, pain and suffering, and any property damage you have sustained. If you are seriously hurt and have an expensive bike, this can add up quickly. If there is a question of fault, getting compensation can be delayed until fault is established.
Another scenario is being struck by a motorist who does not have insurance coverage. In this case it would be a good idea to have coverage for yourself in the form of bike accident coverage. There is also uninsured motorist coverage that covers yourself no matter what vehicle or other transportation you are currently driving. That could be used to collect money to cover your damages as well.
Talk to an Attorney
If you have been in an accident with a vehicle and are having issues collecting what you are entitled to, you need to speak to an attorney right away. An attorney can help you walk through the process of filing your case and act as an advocate in negotiations with the insurance company. Many insurance companies don’t take claims seriously until there is an attorney on the case. Make sure the attorney you speak to has a sharp focus on bike accidents, since they are slightly different than car accident claims.
If you have any questions about whether you need bike accident insurance, or if you have been in a cycling accident, call Cyclist at Law today. Dial 972-392-1249 to schedule a consultation.