Does Auto Insurance Cover a Bicycle Wreck?

If you have been injured in a bicycle accident, you may be left wondering how you can recover compensation for damages. While your health insurance may assist in paying your medical expenses, how can you cover other expenses that may arise, such as lost wages, property damage, or pain and suffering?

You may be surprised to learn that many auto insurance policies also cover injuries you sustain if you are on a bicycle and involved in an accident with a motor vehicle.

To receive a free consultation with a Tucson bicycle accident lawyer, call Zinda Law Group today at (800) 863-5312.

Am I Covered?

For auto insurance to apply to your bicycle accident, one of the vehicles in the accident must be a motor vehicle. Your auto insurance will not cover accidents involving only bicycles. Unfortunately, not all insurance policies are created equal.

Consult your auto insurance policy to determine if it includes personal injury protection or “Med-Pay.” These provisions usually cover injuries sustained by cyclists. Moreover, these policy provisions go above and beyond your health insurance by covering not only medical expenses but also resulting lost wages. Additionally, these provisions extend to all individuals listed as drivers on the policy, and often, all resident relatives of the policyholder.

What If the Driver Is at Fault?

If the driver is at fault, their liability insurance should pay all of the cyclist’s expenses. Unfortunately, a cyclist may be the victim of a hit and run or find that the driver involved is uninsured or underinsured. In such cases, the cyclist may turn to their auto insurance to cover expenses.

If the cyclist’s auto insurance policy has uninsured or underinsured motorist coverage, such provisions will likely cover the resulting medical bills and property damage, even if the policy does not have personal injury protection coverage or Med-Pay.

What If I Am at Fault?

If you are the cause of the accident, the driver’s insurance will not cover any of your expenses. In situations such as this, cyclists are forced to rely on their health insurance and provisions such as Med-Pay within their own insurance policies to cover medical bills.

Considering the substantial injuries and expenses that can face a cyclist after an accident, if you are an avid cyclist, it would be wise to consult your auto insurance policy and adjust your coverage as needed.

Experienced Tucson Bicycle Accident Lawyers

Dealing with insurance companies can be confusing and overwhelming. If you or a loved one was injured in a bicycle accident involving a motor vehicle, you may need assistance recovering the compensation you are entitled to under the law. An experienced bicycle injury lawyer can assist you with obtaining the full compensation available to you.

Call Zinda Law Group today at (800) 863-5312 to speak with a Tucson bicycle accident lawyer for free. Meetings with attorneys by appointment only.