As more and more people are turning to bicycles as a mode of transportation, there has been a rise in accidents involving bicycles and cars. With this increase in accidents, there has also been an increase in car insurance claims related to bicycle accidents. In this article, we will explore the various factors involved in bicycle hits car insurance claims.
Causes of Bicycle Accidents
Bicycle accidents can be caused by a variety of factors such as distracted driving, poor road conditions, and reckless cycling. Distracted driving, such as texting or using a cell phone while driving, can cause drivers to not see cyclists on the road. Poor road conditions, such as potholes or debris, can cause cyclists to lose control of their bicycles. Reckless cycling, such as running red lights or not following traffic laws, can also contribute to bicycle accidents.
Insurance Coverage for Bicycle Accidents
When it comes to insurance coverage for bicycle accidents, there are several options available. If a cyclist is hit by a car, the driver’s car insurance policy may cover the damages. Additionally, some cyclists may have their own insurance policies that cover them in the event of a bicycle accident. It is important for cyclists to review their insurance policies and understand their coverage in case of an accident.
Determining Fault in Bicycle Accidents
When a bicycle accident occurs, it can be difficult to determine who is at fault. In some cases, it may be clear that the driver of the car was at fault, such as if they were texting while driving. However, in other cases, it may be more difficult to determine fault. It is important for both parties involved in the accident to gather as much information as possible, such as witness statements and police reports, to help determine fault.
Types of Damages in Bicycle Accidents
There are several types of damages that can occur in a bicycle accident. These damages can include property damage to the bicycle or car, medical expenses for injuries sustained in the accident, and lost wages due to time missed from work. It is important for those involved in a bicycle accident to document all damages and expenses incurred as a result of the accident.
Statute of Limitations for Bicycle Accidents
There is a statute of limitations for filing a claim related to a bicycle accident. This means that there is a set amount of time in which a claim must be filed. The statute of limitations varies by state, but it is generally between one and three years. It is important for those involved in a bicycle accident to be aware of the statute of limitations in their state and file a claim within the allotted time frame.
Conclusion
Bicycle hits car insurance claims are becoming more common as the number of cyclists on the road increases. It is important for both drivers and cyclists to be aware of the potential risks involved in sharing the road and take necessary precautions to avoid accidents. In the event of a bicycle accident, it is important to gather as much information as possible, understand insurance coverage, and file a claim within the statute of limitations.
