Does Auto Insurance Cover Bicycle Accidents?

Bicycle accidents involving vehicles can lead to serious injuries, and understanding whether auto insurance provides coverage is crucial for cyclists and drivers. Does auto insurance cover bicycle accidents? The answer isn’t always cut and dry; it often depends on your insurance policy and the circumstances of the accident.  

The complexities of insurance claims, especially those involving bicycle accidents, often leave individuals uncertain. At Cannon Law, our Fort Collins hit-and-run bicycle accident lawyer, we are here to provide clarity. This blog post offers a comprehensive guide to understanding auto insurance applicability in these situations, including coverage limitations and crucial steps to take.

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How Auto Insurance Applies to Bicycle Accidents 

When determining whether auto insurance covers bicycle accidents, it’s important to examine the details of your policy. Auto insurance policies are generally designed to cover motor vehicle accidents, but in some cases, they may extend to incidents involving cyclists. 

For example, if a car and a bicycle collide, the driver’s auto insurance often comes into play. However, each situation is unique, and coverage is subject to limitations based on the type of accident and the involved parties. 

By default, many insurance policies don’t explicitly cover bicycles. Instead, some policies require cyclists to carry additional coverage or meet certain criteria, such as specific deductibles or policy limits, to qualify for a claim.

Be sure to thoroughly review your policy to understand what’s included, and when in doubt, seek guidance from a legal expert or insurance provider. 

What Types of Auto Insurance Cover Bicycle Accidents? 

Different types of auto insurance coverage may apply to bicycle accidents. While not every policy guarantees protection, certain types of coverage can help offset expenses after a crash.

Liability Coverage 

Liability insurance is one of the most common types of coverage in bicycle accidents. If a vehicle hits a cyclist and the driver is found at fault, the driver’s liability insurance will typically cover costs like medical expenses, property damage, and even lost wages for the injured cyclist. 

Uninsured/Underinsured Motorist Coverage 

The driver responsible for the accident may not have insurance or insufficient coverage, so uninsured/underinsured motorist policies can help. Many cyclists don’t realize they can file a claim under their auto insurance policy when they have UM/UIM coverage.

Medical Payments (MedPay) and Personal Injury Protection (PIP) 

MedPay and PIP policies cover medical costs regardless of who is at fault. Some policies extend this protection to cyclists struck by vehicles, helping cover hospital bills, rehabilitation, and related expenses. These forms of coverage can be crucial for cyclists who need immediate medical care.

When Does Car Insurance Not Cover a Bicycle Accident? 

Auto insurance doesn’t always apply to bicycle accidents, particularly in the following scenarios: 

• The accident does not involve a motor vehicle.
• The cyclist is riding recklessly or breaking traffic laws.
• The driver’s insurance policy does not include coverage for cyclists.
• Policies with exclusions for non-vehicular accidents, such as instances where only the bicycle is involved.
• State laws and insurance regulations may also affect coverage, so cyclists should know their legal rights before filing a claim.

Auto insurance doesn’t always cover bicycle accidents, requiring cyclists to rely on secondary insurance options or seek compensation through legal channels. Knowing the answer to the question, Does auto insurance cover bicycle accidents? Before an incident occurs can be essential.

Steps to Take After a Bicycle Accident Involving a Car 

Being involved in an accident is overwhelming. Taking the right steps immediately after a crash can protect your rights and secure compensation.

1. Ensure safety first: Move yourself or your bicycle to a safe location, if possible, away from further danger. Remaining in an unsafe position can increase the risk of further injury and complicate the situation
2. Call the authorities: Report the incident to the police. A formal report is critical for insurance claims and legal action. Law enforcement can also help document the scene and ensure accurate accounts of the accident are recorded.
3. Document the scene: Take photos of the accident site, vehicle damage, injuries, and road conditions. Collecting multiple angles and videos can strengthen your case and provide crucial evidence.
4. Seek medical attention: Even if you feel okay, visit a doctor. Some injuries, such as concussions or internal damage, may not show symptoms immediately.
5. Gather information: Collect contact details for the driver, witnesses, and any involved parties.

How to File an Insurance Claim for a Bicycle Accident 

Filing an insurance claim after a bicycle accident requires a strategic and detailed approach. Knowing the right steps can prevent delays and increase the likelihood of a successful claim.

1. Report the accident immediately: Notify your insurance provider within 24–48 hours. Delays can lead to coverage denials or claim complications.
2. Submit all relevant evidence: Your claim should include Photos, witness accounts, medical bills, and the police report.
3. Review your policy: Check the provisions of your insurance agreement carefully to confirm which expenses are covered. Understanding policy exclusions and limitations will help manage expectations regarding compensation.
4. Understand deductibles: MedPay policies, for example, may require meeting a deductible before coverage applies. Setting aside emergency funds for potential out-of-pocket costs can provide financial security.
5. Work with an attorney when necessary: A lawyer can help appeal a denied or undervalued claim and negotiate with the insurance company. Seeking legal representation early in the process can prevent costly mistakes and ensure maximum recovery.

Do You Need a Lawyer for a Bicycle Accident Claim? 

It’s highly recommended to consult a lawyer after a bicycle accident involving a car. Bicycle accident claims can be legally and procedurally complex. Issues like disputed liability, inadequate insurance offers, or setbacks in confirming policy coverage frequently arise. 

An experienced lawyer can help by evaluating your claim, negotiating with insurance companies, and ensuring you’re compensated fairly for damages like medical bills, lost wages, or pain and suffering. 

At Cannon Law, we specialize in advocating for injury victims and cyclists involved in accidents. Wondering: Does auto insurance cover bicycle accidents? Legal guidance is available to help you navigate the complexities of insurance claims. Contact us at 970-682-1691 for a free consultation today.