Does Auto Insurance Cover Bicycle Accident Injuries?

Good news! Most of the time your auto insurance policy does cover bicycle accidents. There are always nuances and exceptions, however, so you should check with your insurance company. If you are an avid cyclist, it's a good idea to check before you get into an accident.

What insurance should I use to pay my medical bills after a bicycle accident?

Your regular medical health insurance is generally your primary insurance to use when you are injured in a bike accident. Caution: if you receive a settlement for your bike accident injuries, your medical insurance may require that they be reimbursed out of that settlement.

In Florida, everyone who drives a car must carry auto insurance. Of course there are always people who drive uninsured. What if they injure you? You own auto insurance could have under insured or uninsured motorist coverage. If your policy does, then the question will be how much coverage. It's worth contacting your insurance company to make sure your limits on underinsured motorist coverage are high enough to cover large medical bills as bike accident injuries tend to be particularly severe.

What if the person who caused the accident has no insurance?

What if you caused the accident or there was no car involved?

If you caused your bike to hit a pedestrian, or you got into an accident with another bike, will your auto insurance cover the damage? Maybe, maybe not. If not, what are your options?

Believe it or not, you might have coverage through your homeowners or renters insurance. Every plan is different and has nuances, however, so if you're not sure, you may want to check with your broker.

Do I even need a bicycle accident attorney?

Not every bike accident claim requires the use of an attorney. Claims that involve only personal property damage can probably be settled on your own. However, it doesn't hurt to consult with an attorney. You need to protect yourself in case injuries manifest later. We offer free bike accident consultations and we'll help you find the right attorney even if we can't take your case.