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Bicycle Accidents Involving Drivers without Insurance

June 14, 2018

In a large number of bicycle accidents, the resulting damage and injuries are covered by the responsible driver’s insurance company. Unfortunately, sometimes accident occurs when the responsible driver does not have insurance. In these situations, a person is fortunately not always out of luck. If a bicyclist has an automobile insurance policy, there is a possibility that a person has insurance coverage that can help. Because these situations are frequently complicated, if you are struck by an uninsured motorist, it is frequently a wise idea to obtain the assistance of a seasoned accident attorney.

Determining if You Have the Proper Coverage in A Florida Bicycle Accident

In the state of Florida, uninsured motorist coverage is an optional part of a person’s motor vehicle policy. This is why it is a wise idea to obtain this insurance. In most situations, if you have not waived the coverage, you are likely covered. If you have a standard motor vehicle insurance policy, you likely have some type of coverage that protects you in case you are struck by an uninsured motorist or an underinsured motorist who does not have adequate coverage. The best way to determine the exact coverage of your current motor vehicle policy is to look at your motor vehicle insurance policy online or by calling your insurance company directly. In a large number of situations, the amount of uninsured motorist coverage that a person has on their policy is the same amount of coverage that a person would have if they were the driver who was responsible for the accident.

How Uninsured Motorist Coverage Helps After a Bicycle Accident

If you are a bicyclist who was struck by a vehicle while riding your bicycle, you could likely end up facing thousands of dollars in medical bills. If a driver who strikes you has insurance, you likely can work with your insurance company to obtain compensation for the damage resulting from the accident. An experienced attorney can prove particularly helpful in navigating these complicated issues. If a motor vehicle driver does not have insurance or does not have adequate insurance coverage, an uninsured motorist policy can prove enormously helpful. Based on how much coverage you have, you likely could receive a large amount of compensation to assist with your resulting injuries. It is a wise idea if you are a bicyclist who frequently cycles to consider increasing your uninsured motorist coverage because this frequently does not increase your premium. If a bicyclist has a homeowner’s insurance policy, this could also help with property damage costs if a person is encountering difficulty receiving compensation from the responsible driver’s insurance company.

Advice if You Need to Use Uninsured Motorist Coverage After a Bicycle Accident

You will likely face numerous complications if you decide to use your uninsured motorist coverage after a bicycle accident. Some of the obstacles that bicyclists frequently encounter include the following:

  • You might be told that your uninsured motorist coverage does not apply to bicycle accidents.

  • Your insurance company might create needless obstacles to receiving compensation after you file a claim.

Speak with A Seasoned Florida Bicycle Accident Lawyer

If you are struck by an uninsured vehicle operator, this should not mean having to go out of pocket to pay the large medical bills and other costs that accrue. By contacting the office of Guy S. DiMartino, DC, JD, PA today, you can make sure that you have assistance in obtaining the compensation that you deserve.