It is possible for car insurance to cover bicycle accidents in New York. In fact, there could be multiple insurance policies that go into effect when a motorist collides with a cyclist. This coverage is important, as the injuries that commonly result from these collisions can be severe.
Even though auto insurance could cover a bicycle accident wherever it occurs, maximizing your recovery could be difficult on your own. We could help you negotiate with the insurance company and advise you on the strength of your claim.
Car Insurance Could Cover Your Medical Bills and Other Expenses
There are several types of car insurance policies, and many of them can cover your injuries following an accident. One of the primary car insurance options following a bicycle accident is liability coverage.
Liability insurance is carried by a driver to protect them from third-party claims when they are responsible for an accident. This coverage applies when a motorist causes an accident with another driver, a pedestrian, or even a cyclist.
Depending on the type of insurance you carry, your own policy might cover your bicycle accident as well.
Personal Injury Protection (PIP) Coverage
If your auto insurance includes PIP coverage, that policy could be in effect even though you were not driving your vehicle at the time of the collision.
This type of insurance could pay for your medical bills up to the limits of your policy. PIP insurance could also be available no matter who was at fault for the accident.
Every insurance policy is different, and it might not be immediately clear what kind of coverage your policy offers in a bicycle accident. A bicycle accident attorney on our team could help you evaluate your legal options and pursue the right kind of insurance claim after an accident.
There Are Other Types of Insurance Policies That Could Cover a Bicycle Accident
You might also be covered by other insurance policies in addition to the auto coverage carried by you or the negligent driver. Those policies could supplement the auto insurance policy in case your damages exceed the coverage limit.
If you are covered by health insurance – through an employer or otherwise – these benefits could pay for your medical expenses. This type of insurance coverage would not pay for your other damages related to the accident.
There are also policies that might cover your personal property. In some cases, a homeowners or renters insurance policy might apply to the bicycle itself. The cost of repairing or replacing a bicycle can be significant, so this coverage could be valuable.
Take the Steps Necessary to Strengthen Your Insurance Claim
No matter what insurance policy applies to your case, it is vital that you take the steps necessary to ensure you receive a fair financial recovery. The insurance company will work to limit your award even if you were not at fault for the accident.
Follow Your Doctor’s Orders
One of the most important steps you can take to strengthen your insurance claim after a bicycle accident is following the directions of your doctor. Seeing your doctor immediately after your accident is only the first step.
Sticking with the treatment plan could not only speed up your recovery, but it could also strengthen your chances of obtaining fair financial compensation as well.
Keeping up with your doctor’s orders can prevent the insurance company from claiming that you did not do enough to limit the extent of your medical bills.
Do not Give a Statement to the Insurance Company
The driver’s insurance company will no doubt ask for a recorded statement after the accident. Despite what they might imply, you are under no obligation to speak to them about the collision.
This is important, as anything you say to the insurance adjuster could damage your claim for compensation. In addition, refrain from posting about the accident on social media. Insurance companies are known to scour profiles and look for any statements to use against you.
Speak to an Attorney From Our Firm
One of our attorneys handling bicycle accidents could be a powerful ally during the claims process. An attorney with us could serve as your advocate, advise you on the reasonability of a settlement offer, and negotiate on your behalf.
Connect with Us About Your Bicycle Accident Case Today
Bicycle accidents can be traumatic. Cyclists have little protection from a significant impact, and a collision with a moving vehicle can lead to life-altering injuries. Thankfully, car insurance can cover bicycle accidents. If you suffered injuries in a bike wreck, pursuing an insurance claim could be the first step toward making you financially whole.
The insurance claims process can be complicated, especially when you attempt to navigate it on your own. If you are ready to pursue the benefits you deserve, the Law Office of Cohen & Jaffe, LLP is here to help. Call (516) 358-6900 for your free, no-obligation consultation as soon as possible.
For a free legal consultation, call 516-358-6900