Can Car Insurance Help After a Bike Accident?

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Aaron Allison | 888-300-1476 | Free Consult

Can car insurance help after a bike accident? You may be searching for help covering costs related to a bike accident. The good news is, your car insurance might be able to help.

As Aaron Allison explains in this video, your insurance policy follows you, not your car. If you are involved in any type of accident involving a vehicle, your car insurance policy can help with compensation. Aaron Allison is an attorney at The Law Offices of Aaron Allison in Austin, TX.

To learn more, contact the attorney directly by calling 888-300-1476 or by submitting a contact form on this page. The consultation is free and confidential, and you won’t owe any out-of-pocket attorney fees.

If you have car insurance, you may be able to apply damages from your bicycle accident to it.

If you have Underinsured Motorist, Uninsured Motorist (UIM), Personal Injury Protection (PIP), or Medical Payments (MedPay) as part of your insurance plan, you can file a claim with your insurance agency to cover the injury and subsequent damages from a bicycle accident. It should be noted that UIM, PIP, and MedPay are all add-ons to standard automobile policies. When you add these to your plan you must pay an additional premium at the time you purchase the policies. However, you can see how worthwhile it might be to have these if you find yourself wrongfully injured as a bicyclist.

Your insurance applies to your person, not the car.

It’s important to note that you don’t need to be in your car when an accident occurs for your own car insurance to apply to your case. UIM, PIP, and MedPay apply to you, the policy owner, not your vehicle. If your car is at home and you are hit by someone else, you can apply to your own insurance company using the added policies discussed above for compensation.

In addition to the insurance claim, you can make a claim against the driver of the vehicle that struck you.

This is another avenue through which you may be able to seek compensation for your damages. Medical bills, lost wages, pain and suffering, and future damages are just a few areas of your life that could be affected by a traumatic injury. If your insurance company is not willing to cover the totality of your damages, it might be wise to consider filing a personal injury claim against the person who hit you, especially if they were majority at-fault for the accident.

Contact an attorney sooner rather than later.

The sooner you contact an attorney, the sooner they can begin helping you file a claim with your car insurance and consider if further legal action should be taken against the at-fault party. Most personal injury attorneys work on contingency, which means no out-of-pocket costs for you. In fact, you don’t pay at all unless they win your case. With this in mind, it’s not a bad idea to reach out to an attorney regarding the potential of your case as you decide what steps to take in order to recoup your losses after a bicycle accident.

To learn more, contact Aaron Allison directly by calling 888-300-1476 or by submitting a contact form on this page. The consultation is free and confidential, and you owe no out-of-pocket attorney fees.

Video Transcript:

Leslie Rhode:
How can car insurance help if you’re hurt on your bike? We ask attorney Aaron Allison in this AskTheLawyers.com Quick Question.

Aaron Allison:
If you own your own automobile, you have your own personal insurance on your car at home and you’re on your bicycle and you’re struck by another automobile, you’re permitted to go under your own insurance policy if you have purchased underinsured motorist or uninsured motorist or what’s called personal injury protection or MedPay. Those are add-ons to a standard automobile policy that you pay an additional premium for at the time you purchase the policy. But the rule is, is that PIP, MedPay, uninsured motorist, underinsured motorist follows the person. You don’t have to be in your car in an accident for your own insurance to apply to your case. You can be on your bicycle, be run over by a car, and apply to your own insurance on your car policy for compensation.

Disclaimer: This video is for informational purposes only. In some states, this video may be deemed Attorney Advertising. The choice of lawyer is an important decision that should not be based solely on advertisements.