Are Bike Accidents Covered by Insurance?

When you plan a bike ride, you’re probably wondering if you need sunscreen or how long your ride will last. The last thing you’re probably thinking about is insurance coverage. But bicycle accidents are more common than you might think. In 2015, there were 45,000 reported bicycle accidents in the United States.

If you’re in a bicycle accident and suffered injuries, you may not know what the next course of action should be. Who will pay for your damages or injuries? Your insurance company? The insurance company of the at-fault party? There are undoubtedly many questions. It may be in your best interest to contact a personal injury attorney to get answers.

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Common Causes of Bicycle Accidents in Long Island

Atlantic ocean waves on the beach at Montauk Point Light, Lighthouse, Long Island, New York, Suffolk County

Bike accidents are very common across the country and can be catastrophic. Some common causes of bike accidents include:

  • Distracted riding
  • Riding too fast
  • Riding too close to traffic lanes
  • Weaving through traffic
  • Failing to yield
  • Unsafe lane changes
  • Running a red light or stop sign

Bicyclists are required to follow basic laws like stopping at lights and yielding to traffic. Failure to do so may result in fines. If the bicyclist is in an accident and failed to follow the road’s basic rules, they may be held liable. However, motorists can also cause accidents by not paying attention to cyclists.

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Injuries from Bicycle Accidents

Since cyclists have no protection besides helmets and knee and elbow padding, accidents can cause serious injury. They can easily be thrown from their handlebars, causing brain or spine injuries, broken or fractured bones, or internal organ damage.

Victims can face tens of thousands of dollars in medical bills and physical therapy on top of lost wages from taking time off work to recover. But who pays for these bills? It all depends on who is liable for the accident. For the most part, responsibility may fall on drivers, other cyclists, the government, or you.

Car stopped in the crosswalk next to a downed bicycle after a bike accident

If a Driver Is Liable

If a vehicle hits you, and the driver is at fault, their insurance company should pay for most medical expenses. Depending on their policy, you may not receive the full amount of compensation needed to cover bills and lost wages. If this is the case, you may have to consider legal action to recover the total amount. Your insurance company might also compensate you for some damages, but legal action may still be necessary.

If You or a Bicyclist Is Liable

If it’s established that another cyclist is responsible, their auto insurance may cover some of your injuries only if they have an optional personal injury protection or medical payment coverage plan. As with any insurance policy, both options have their limits on how much they can cover. Unfortunately, the cyclist may have to pay the remaining balances insurance does not cover.

Similarly, if you were liable for the accident, your insurance company may only pay up to your policy’s maximum amount.

cyclist riding a bike with a blurred background
cyclist riding a bike with a blurred background

If You or a Bicyclist Is Liable

If it’s established that another cyclist is responsible, their auto insurance may cover some of your injuries only if they have an optional personal injury protection or medical payment coverage plan. As with any insurance policy, both options have their limits on how much they can cover. Unfortunately, the cyclist may have to pay the remaining balances insurance does not cover.

Similarly, if you were liable for the accident, your insurance company may only pay up to your policy’s maximum amount.

rear view of bicyclist in the bike lane wearing a backpack

If the Government Is Liable

If your bike accident was caused by poor signage, negligent bike lane placement, or poor street design, the government might be liable. You may be able to hold them accountable for your injuries.

Contact a Trusted Personal Injury Attorney in Long Island

Bicycle accidents can alter your life and wellbeing. The injured rider will most likely have a long road to recovery, and their loved ones may also face obstacles as they try to provide care and assistance to their injured family member. If you or someone you know has sustained injuries from a bicycle accident, it’s essential to protect your rights by seeking legal counsel.

The personal injury attorneys at The Barnes Firm will review your case and fight for you to receive the compensation you deserve, no matter who’s liable. Reach out to The Barnes Firm to discover all the ways we can help you after a bicycle accident in Long Island, New York. Complete a contact form or call our office today to schedule a free consultation.

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