What Insurance Covers Bicycle Accidents

What Insurance Covers Bicycle Accidents

Cycling lessens traffic congestion and pollution, which benefits the environment. Additionally, it benefits your health. Many people in Florida travel and exercise on bicycles every day. But there are risks specific to riding a bike. What occurs if a car strikes you when you’re bicycling? Are bicycle accidents covered by vehicle insurance in Florida?

Absolutely, your damages should be covered by your auto insurance. Who caused the accident will determine which insurance is used. Make sure to get in touch with a bike accident lawyer in Florida if you are involved in an accident. We can help you file or, if required, pursue legal action. This piece offers a more thorough examination of how bicycle mishaps are resolved and what kind of insurance you can obtain to safeguard yourself.

Is a Bicycle Collision Covered by Auto Insurance?

Bicycle and pedestrian accidents are covered by auto or automobile insurance in Florida. So, does Florida auto insurance cover accidents involving bicycles? It does, indeed. If you are in an accident and you have auto insurance, you are covered under the PIP coverage that the state mandates. Here are some important facts about this kind of coverage. 

PIP Insurance Requirement in Florida

In Florida, personal injury protection (PIP) coverage is mandatory for all drivers who carry auto insurance. In order to cover property damage, the state also mandates that drivers with auto insurance obtain a property damage liability (PDL) policy. The Florida Statutes require this.

PIP is also considered a no-fault coverage in accordance with this Florida statute. Florida does not assign blame. Your personal injuries will be covered under the no-fault insurance system in the event of a bike accident, despite who is at fault. Therefore, regardless of who is deemed to be at fault, medical costs and lost income of the injured party are covered by vehicle insurance coverage. You ought to be automatically covered by PIP as long as you own a car. 

PIP Insurance for a Florida Bicycle Accident

Standard PIP coverage in Florida covers up to 80% of medical expenses and 60% of lost income as a result of a bicycle accident. The policy’s coverage limitations will determine the worth of the coverage. You’ll be responsible for paying out-of-pocket costs if the damages exceed the coverage amount. Additionally, you can add coverage to your PIP to make it worth more.

PIP is insurance that is based on claims; it must be mentioned. Within 14 days of the accident, you must submit a bicycle accident claim to your insurance company. You can get help with the next steps from a Florida bicycle accident lawyer.

How Much Coverage is Available to me Under a Policy for Personal Injury Protection?

PIP is able to provide at least $10,000 in coverage for any injuries, lost income, and medical expenses incurred in a bicycle accident. This is the bare minimum coverage; for greater security in the event of an accident, you may always get a higher policy.

If you live in the same home as a family member and do not have your own auto or bicycle insurance, you may use that person’s PIP policy, according to Florida statutes. However, since PIP only covers personal injuries, you are unable to utilize the driver who struck you coverage.

Policies From Which You May Obtain Coverage Following a Cycling Mishap

The topic of whether Florida vehicle insurance covers bicycle accidents has already been addressed. When you are in a bike accident, you can obtain coverage from many fault-based policies in addition to a regular auto insurance policy. However, if you only have a basic policy for your house or rent, you won’t be covered for an accident on a bicycle. The many policy kinds from which you can obtain coverage are shown below. 

Health Benefits

Do bicycle accidents get covered by health insurance? It does, indeed. After an accident, having personal health insurance can help you receive the necessary medical care. Regardless of who is at blame, the full amount of your coverage will be able to cover your medical costs. Your health insurance policy may, under some circumstances, also pay for rehabilitation treatments and lost wages.

Uninsured Driver Protection (UM)

If the other driver is uninsured or hits and runs, your uninsured motorist coverage will pay for your losses and injuries. This is valuable coverage, particularly in a state like Florida, where accidents can occur at any moment due to the high number of uninsured drivers on the road.

Insurance for Underinsured Drivers (UIM)

Similar to uninsured motorist coverage (UM), underinsured motorist coverage kicks in when another driver has auto insurance but not enough coverage to pay for all of your injuries and damages. According to Florida state law, having UM and UIM is optional, but getting these policies is strongly advised if you want additional security. In the event that you are uninsured, you may utilize a family member’s policy.

Riding my bike, I was hit by a car. Is it possible to Sue?

You certainly can. You have the right to sue the negligent driver to recover damages from them if you are hit by a car while riding your bike. A verified medical record of your injuries, together with any evidence of equipment and bicycle damage, must be shown.

You must show that the driver’s negligence caused the collision in order to prevail in court. You have the option to sue the driver who was at fault even if you had made an insurance claim. Make sure you choose a knowledgeable personal injury lawyer to assist you with the initial steps of the process by contacting your Florida accident lawyer. 

Conclusion 

Are bicycle accidents covered by vehicle insurance in Florida? Yes, it does if you have coverage on your auto insurance. This is due to the fact that PIP coverage—which covers medical expenses up to the policy maximum—must be included in your auto insurance policy. You can make a claim with the other driver’s BIL insurance if they have one, if you don’t have PIP. Another option is to bring legal action against the responsible party.

If you have been in a bicycle accident and are located in Fort Lauderdale, Tampa, Hallandale, Jacksonville, West Palm Beach, or any other location in Florida, the Law Offices of Adolphe Law Group can assist you in getting compensation. Get a free consultation right now. 

Personal Injury and the Florida Legal System: A Review of Notable Cases

Personal Injury Cases in Florida

Have you ever been injured and thought, “That wasn’t my fault! How am I going to recover from this injury?” There are many instances where a person is injured and incurs emotional, physical, financial, and even spiritual hardship. What the injured person doesn’t know is that there is help available to recover from these hardships. Hiring a personal injury lawyer in Florida can be the key to getting you on the road to holistic recovery. 

What Constitutes Liability in Florida?

So you were injured. Now what? How do you know if you have a personal injury case? The state of Florida requires certain aspects to be met in order to establish another party’s liability. In court, a personal injury lawyer Lake Worth must show proof of the following:

  • The defendant owed the victim a duty of care: The defendant (person at blame) had a duty under the law to take reasonable precautions to avoid harm. 
  • The defendant failed to provide that care: The defendant breached their obligation to protect you by willfully or negligently failing to do so. 
  • Your injuries were caused by their failure: The “proximate cause” of your injury was the defendant’s breach of their duty of care. In other words, but for the defendant’s carelessness, your harm would not have happened.
  • You incurred damages from the injuries: You had measurable losses in terms of money, health, and/or mental well-being. Even if a defendant committed a negligent act, you cannot file a lawsuit if you did not sustain any losses.

Personal Injury Cases in Florida

Are you still unsure if your injury would qualify? Below are some examples of personal injury cases in Florida to help you understand the types of cases that have been tried successfully in the state:

Morgan v. Wal-Mart: This case involves a woman seriously injured in a Walmart parking lot after falling into a pothole. The lawsuit alleged that Walmart was negligent in maintaining the parking lot and failing to warn customers of the hazardous condition. This case can be found at 166 F.3d 1075 (5th Cir. 1999).

Colson v. Miami-Dade County: This case involves a woman injured in a car accident caused by a malfunctioning traffic signal. The lawsuit alleged that Miami-Dade County was responsible for maintaining the signal and failed to do so, resulting in the accident. This case can be found at 124 So. 3d 346 (Fla. 3d DCA 2013).

Perez v. Allstate Insurance: This case involved a man who was seriously injured in a car accident and sought to recover underinsured motorist benefits from Allstate Insurance. The case went to trial and resulted in a significant award for the plaintiff. This case can be found at 70 A.D.3d 1183 (N.Y. App. Div. 2010).

Paz v. Universal Studios: This case involves a woman injured on a ride at Universal Studios. The lawsuit alleged that Universal Studios was responsible for the ride’s design and failed to properly maintain it, resulting in the plaintiff’s injuries. This case can be found at 264 Cal. App. 4th 249 (2019).

Valencia v. Brightline: This case involves a woman injured in an accident involving a Brightline train. The lawsuit alleged that Brightline was responsible for the accident and failed to take adequate measures to protect passengers. This case can be found at 273 F. Supp. 3d 1350 (S.D. Fla. 2017).

Liability will depend on the particulars of the case but know that negligence is to blame for the majority of accidents. It can be difficult to establish negligence and who is responsible for your injuries. A personal injury attorney Lake Worth will carry out a comprehensive investigation to gather evidence and, if required, will hire an expert to reconstruct the accident to determine who is responsible for what happened.

The at-fault party will normally have liability insurance so that you will make a claim, and the at-fault person’s insurance company will decide who is responsible. The insurance may determine that their policyholder is at fault after thoroughly reviewing the facts, and they can then make you an offer of settlement. On the other hand, you and your lawyer might decide to file a personal injury case so the court can make the decision if responsibility is disputed. 

We Can Help You Prove Liability

Adolphe Law Group will help you determine and gather evidence to prove another party is liable for your accident. Contact us today to speak to a highly-skilled Florida personal injury lawyer in a free consultation.

What Do I Do If I am In a Hit-and-Run Accident?

Given the nature of the accident, it’s hard to have an accurate number of how many hit-and-run accidents there are in the USA. One report from the AAA Foundation estimated there to be over 737,000 hit-and-run accidents in 2015. This is a shocking number, and sad that it is still so frequent.

Because hit-and-run accidents still happen, you might wonder: What do I do if I’m in a hit-and-run accident? If you’re unfortunately in this place, there are four steps to follow:

1. Call the police

The first step is to always call the police. Do this as soon as you’re able or get someone nearby you to help out. The police will be able to help you file a police report that will help record the details of what happened and support your case.

2. Make a report

After calling the police, they will help you make a report about the hit-and-run accident. Here you will record everything you remember about what happened and the case of the details.

A report can help your personal injury lawyer or accident attorney compile all the data for your case and ensure you receive compensation and coverage.

3. Check for traffic cameras or storefront cameras

While you’re filling out the report, check and see if there are any nearby traffic or storefront cameras. Ideally, a camera has captured what happened and the license plate of the person who caused the accident.

You can tell the police officer about the cameras and record them on your report. Even if you are not sure there is a camera, report any potential camera locations to be investigated further.

4. Adolphe will look at your insurance to see if you are covered

The last step is to contact your personal injury or accident attorney to see if your insurance will cover you. The type of insurance you want in this case is Uninsured Motorist Insurance.

Essentially, this insurance will protect you if you were in an accident where the other party caused it and left the scene. It also covers you if the other driver does not have an insured vehicle. Your accident attorney will be able to see if your insurance is covered.

If you have been in a hit-and-run accident, follow these four simple steps. Knowing this information will help you stay calm under a stressful situation and manage it in the best way possible. When you’re in doubt, contact us at Adolphe Law Group, and one of our experienced accident attorneys will be able to give you more information.

We hope you’re never in a hit-and-run, but if you are, these are the four steps to follow. Adolphe Law Group is here to stand by you and fight for you. Contact us for any questions or more information about what we can do.