It’s a beautiful day, and you decide to take your bike out for a spin. You’re cruising down the road, feeling the wind in your hair, when suddenly, a car turns in front of you, and you slam into it. What now?
Understanding Bicycle Accidents with Cars
Bicycle accidents with cars can be devastating for both the cyclist and the driver. Unfortunately, they are all too common. According to the National Highway Traffic Safety Administration (NHTSA), in 2019, 846 bicyclists were killed in crashes with motor vehicles.
If you’re involved in a bicycle accident with a car, the first step is to make sure everyone is okay. Call 911 if anyone is injured or if there is significant damage to the vehicles involved. Once you’ve assessed the situation, it’s time to start thinking about insurance claims.
Who is at Fault?
One of the first things that insurance companies will determine is who is at fault for the accident. In some cases, it may be clear that the driver is at fault. For example, if the driver turned in front of you without signaling, they would likely be found at fault. However, in other cases, it may not be so clear-cut.
It’s essential to gather as much information as possible at the scene of the accident, including witness statements, photos of the scene, and any other evidence that can help determine fault. Your insurance company will likely conduct its investigation, but having evidence to support your claim can be helpful.
What Does Your Insurance Cover?
If you have car insurance, your policy may cover accidents involving bicycles. However, the coverage may vary depending on your policy and the state you live in. For example, some states require drivers to have personal injury protection (PIP) coverage, which can help cover medical expenses for the cyclist and driver.
If you have separate bicycle insurance, your policy may cover damages to your bike and medical expenses, regardless of who is at fault. It’s essential to review your policy carefully to understand what is covered and what is not.
What Should You Do After the Accident?
After the accident, it’s crucial to take care of yourself. Seek medical attention if necessary, and make sure to document all medical expenses related to the accident. You should also contact your insurance company as soon as possible to report the accident and start the claims process.
Be sure to keep any receipts or documentation related to the accident, including repair bills, medical bills, and any other expenses you incur as a result of the accident.
The Bottom Line
Getting into a bicycle accident with a car can be a scary and overwhelming experience. However, understanding the insurance claims process can help make the situation a little less stressful. Remember to document everything, contact your insurance company, and take care of yourself.
