Have you ever wondered what recourse you would have if you were to be hit by a car while riding your bicycle? While a bike is not a car, your own auto insurance policy should cover some of your expenses whenever you are in an accident involving an automobile regardless of if you are driving another vehicle, riding a bike, scooter or skateboard, or even walking. As long as there was a car was involved; you should be able to get benefits from your insurance even if you were not in the vehicle during the time of the accident.
Per Florida state law, every driver must have Personal Injury Protection (PIP) coverage on their insurance policies. PIP insurance pays a portion of lost wages and covers mileage reimbursements for transportation for medical care for as long as you are receiving treatment for injuries sustained during the accident. Additionally, this coverage can provide for up to 80% of your medical bills (up to $10,000). If you don’t have PIP, the at-fault driver’s insurance may cover some of your costs. However, if the at-fault driver does not carry insurance, you can file a claim against your Uninsured Motorist Coverage, using either your insurance policy or the policy of a family member you live with.
Just like any other accident involving multiple cars, if you are struck by a vehicle while riding your bike, you are entitled to a replacement or repairs. Items such as bicycles are property, and insurance covers damage to property. If through investigation, it is found that the driver of the car was at fault, it is the responsibility of the at-fault driver’s insurance company to compensate you for any necessary repairs, or the full replacement of your bike. Make sure you document everything you can about the accident with quality pictures of the damaged property and the full scene of the crash. Also, include photos of any impediments that may have contributed to the accident.
Unfortunately, accidents involving a bike and a car can be complicated because bicycle riders are typically considered the at-fault party by law enforcement. If you were involved in a bicycle accident with a car and have questions about the law or filing an insurance claim, call BOCA Law. Our team of Attorneys will begin an investigation into your accident and fight to make sure you get any compensation you are entitled to. Call us today, toll-free at 855-262-2529.
