Does my insurance cover bicycle accidents?

Contact Us Today!
bicycle accidents

To get around the city, people often choose bicycles as their mode of transportation. However, with this choice individuals are at a high risk of injury in the event of a collision. The lack of adequate outside protection on bicycles typically leads to serious injuries. Cyclists may face costly medical expenses, lost wages, and property damage after a collision. Under certain circumstances, bicycle accidents may be covered by insurance. If you have been injured in a bicycle accident, please don’t hesitate to contact a determined New York City Bicycle Accident Lawyer who can help you file a claim against a negligent party. Our lawyers are committed to helping their clients recover monetary compensation for their losses. With years of experience, our firm can help you seek the justice you deserve.

Are bicycle accidents covered by insurance?

In NYC, bicycle accidents can be covered by insurance. However, whether or not it is covered by insurance depends on who is at-fault for the accident as well as what type of insurance policy an individual has. If a bicyclist is struck by a motor vehicle, the drivers auto insurance can cover the cyclists damages. However, if an at-fault driver has Personal Injury Protection (PIP) insurance, it can cover the injured cyclist’s medical expenses, lost wages, household services, and property damage. In several states, drivers are required to have PIP insurance coverage. New York is one of those states. PIP helps individuals pay their medical expenses in the event of an accident. All drivers are required to have PIP auto coverage. If PIP coverage does not cover the full cost of a victims damages, they are legally entitled to pursue further legal action against the negligent party. This means they can file a personal injury lawsuit to recover additional compensation to cover their full amount of damages. If a cyclist is injured by a pedestrian or another cyclist, their homeowner’s or renter’s insurance may cover the bicyclist’s damages. However, if the bicyclist caused the accident their homeowner’s insurance may cover an injured party’s damages. Additionally, if a bicyclist collides with a stationary object such as a parked car or traffic sign, their health insurance will cover their damages. However, if they damaged another person’s property such as a parked car, their homeowners insurance may cover the cost of property damage. Ultimately, whether or not a bicycle accident is covered under insurance depends on the circumstances of the accident. It is important to consult with a skilled New York City bicycle accident lawyer who can help file a personal injury claim to recover just compensation for damages.

If you or someone you love has been injured in a bicycle accident, please don’t hesitate to contact our knowledgeable and adept team members. Our team members work incredibly hard to achieve the best possible outcome for their clients. Our skilled lawyers are ready to fight for you today.

Contact Us Today!

  • This field is for validation purposes and should be left unchanged.

© 2024 Law Offices of Brian J. Elbaum.
All Rights Reserved.
Disclaimer | Sitemap | Privacy Policy