If you’re an avid bicyclist, you know how important it is to be prepared for each ride. You likely check the tires, brakes, and other parts of the bike to ensure they are in good working order. You wear the proper protective gear, including a helmet and padding. If you’re like many riders, however, you may not think of insurance coverage. If you are injured while riding your bicycle, you could face extensive treatment and medical costs. Insurance coverage can help you pay for these bills.
Incident with an Automobile
Bike-vehicle accidents can result in significant harm to the bicyclists. There is little protection for the person on the bike when a car collides with the individual. If you are on your bike and a vehicle hits you, chances are high that you will be thrown off the bike, potentially suffering severe injuries. These could include traumatic brain injuries, broken bones, or lacerations. You should always seek medical care after such an incident. The good news is that if the accident was not your fault, the driver responsible for your injuries should cover your medical care. The driver’s car insurance company should pay the full amount of its policy in these situations. If you have additional costs after the car insurance company has exhausted its payment, you should speak to a lawyer about filing a personal injury lawsuit.
When You’re at Fault
Occasionally, the bike rider could be ruled at fault for an accident with a vehicle. In this situation, you, as the cyclist, would have to rely on your auto insurance coverage to pay for your injuries. This would fall under a portion of the auto insurance policy called “personal injury protection.” However, there are limits to how much this will cover. If you require more care than the policy will pay for, you may have to pay some out-of-pocket costs.
When Health Insurance Kicks In
If your bike accident involves factors other than an incident with a vehicle, you can turn to your health insurance provider for coverage. For example, if you require medical treatment, medication, doctor’s office visits, or hospital stays due to an accident with another cyclist or on your own, your health insurance plan can help. You may be responsible for copays and deductibles.
Understanding your auto and health insurance policies will help clear up confusion if you are hurt in a bike accident. Speak with your insurance representatives or a lawyer, like a personal injury lawyer in Memphis from Darrell Castle and Associates, PLLC, if you have concerns.