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Does Auto Insurance Cover Bicycle Accidents?

What Options Do I Have If I Was Injured In A Bike Crash?

Your options depend on the circumstances of the accident but if your bicycle accident involved a vehicle it could be covered under an auto insurance policy. If the driver of the car involved in the crash is identified, then you may file a claim against that person’s auto insurance policy. An auto insurance policy indemnifies drivers involved in crashes with bicyclists in the same manner as if the car collided with another vehicle.

You are not out of luck if you cannot identify the other vehicle involved in the crash. That scenario is not too difficult to imagine. For example, you could be riding along a Colorado mountain road admiring the scenery when a motorist comes along who drives perilously close to you. The vehicle does not make contact with you but gets so close that it forces you off of the road. You have no choice but to crash. You are injured as a result of the crash. Who is responsible for your damages? You might not have any means to identify the auto involved even though the driver was responsible for your crash. In this instance, you have the opportunity to seek coverage from your auto insurance policy.

How Can I Get Coverage From My Auto Insurance Policy For A Bicycle Accident?

Your auto insurer will cover you in Colorado if you have the appropriate coverages included in your policy. Your auto insurer will pay your medical bills if you have medical payments included in your policy. Your policy will cover you up to the “med-pay” limits no matter who was at fault for the bicycle mishap. Furthermore, your auto insurance will cover you if you have personal injury protection, or “PIP” included in your policy. Your insurance will cover you up to the PIP limits no matter who was at fault.

Your auto insurance policy will cover you beyond med-pay and PIP for a bicycle accident in one circumstance. Nearly 15% of all drivers are uninsured in Colorado. Therefore, if you are injured in a bicycle accident with an uninsured motorist, your auto insurance policy may cover you if you were not at fault for the crash.

Bicycle accidents are frequently very serious events. Bicyclists suffer terrible trauma in accidents that, if they were in a car, might not cause any injuries. As a result, you should be vigilant about your safety when you ride a bicycle. Here are a few tips to remember when riding a bike:

  • Observe the rules of the road as if you were driving a car. You should stop as designated, signal when turning and slowing, use the correct lane, and stay close to the edge of the road;
  • Wear a helmet. Helmets can protect the rider in the event of a crash; and
  • Be alert at all times and do not ride while distracted.

Call Zinda Law Group for Help with your Bicycle Accident

Our Denver bicycle accident attorneys have vast experience representing bicycle accident victims. Our attorneys will provide you expert legal advice while working work diligently to reach a fair and just resolution of your claim. Contact us at 303-800-1501 today to schedule a free consultation and learn how we can help you file a claim against another’s auto insurance company or your own if you suffered injuries in a bicycle accident.

Sources:

http://www.pedbikeinfo.org/data/factsheet_crash.cfm
https://www.bicyclecolorado.org/bike-news/bike-law-crash-tips/
https://www.codot.gov/programs/bikeped/building-a-bike-ped-friendly-community/bike-walk-study/technical-report/techstudy1.pdf
http://www.carinsurance101.com/will-car-insurance-cover-a-bicycle-accident/



 

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