If you are involved in a bicycle crash damages and injuries could be covered by the driver’s insurance company. If a person hits you and they don’t have insurance you may find yourself completely out of luck. Speaking to a legal professional like a personal injury lawyer is an excellent way that you can navigate through one of these cases. If you’ve been hit by an uninsured driver while you were on a bicycle you do have some options available to help you pay for the cost of medical expenses and more.
If you have an automobile insurance policy, odds are that you have access to some type of coverage that can assist with your expenses. Even if you were on your bike rather than in a car, you have options available to you if you own this type of policy.
How Can I Access This Coverage?
By speaking to an insurance agent you can find out more about the types of insurance additions that you can access under your current insurance policy. Uninsured motorist coverage for your policy could give you an additional level of coverage to assist you in recouping costs if you’re ever hit by an uninsured or underinsured driver
In some states like California this type of auto insurance policy is standard and insurance customers will likely have to opt out of this type of coverage or get an extremely minimal insurance plan. This type of coverage can protect you in the event that you are hit by an uninsured motorist with no insurance coverage or an underinsured motorist that has inadequate coverage. You can often find out how much coverage you have by calling your provider directly, that can help you in determining which insurance products work for you. If you have UM coverage as an at fault driver, the minimum amount of coverage that you’ll be able to access in a standard insurance policy will be $10,000 in the state of Florida. By increasing your insurance policy you are able to access more from compensation UM.
How UM And UIM Can Help You During a Bicycle Crash
If you’ve ever been hit by a vehicle while you’re riding your bike, you could face hundreds of thousands of dollars in medical bills that you will be responsible for covering. If the driver that hit you did not carry any type of insurance, you’ll be able to work with an insurance company to get access to the compensation you need for your injuries that were caused in the crash.
If the driver doesn’t have access to adequate insurance or any type of insurance to cover your injuries, this payout from your own insurance can be an easy to cover expenses. UM and UIM can be extremely beneficial during a bicycle crash because you could receive tens of thousands of dollars in compensation for your injuries depending on the insurance coverage you have.
Choosing a personal injury suit to recoup funds could mean that you have to wait years for the compensation that you need for your injuries. Working with a lawyer that has experience in bicycle cases can help you to determine the best type of UM or UIM insurance coverage for your specific lifestyle. The risks can be high for bikers on the roads in Florida. With one in 25 drivers on the roads of Florida being underinsured or uninsured, the odds are against you when it comes to other insurance companies in your case.
Increasing the rates of your UM or UIM coverage do not typically increase the overall premium on your insurance by a significant margin. It’s always worth it to consider covering yourself for a bit extra if you are going to be biking. Consult with your insurance agent today and make sure that you have access to a lawyer that can provide you with assistance in the event that you are ever involved in an accident where another driver does not hold the appropriate amount of insurance coverage. Having a bicycle lawyer in the area that you can depend on can be crucial to speeding the process of your claim.
Even if you’re going to be using UM or UIM insurance coverage, speaking with a bicycle lawyer can ensure that you are able to handle the claim easier. If you are in need of a qualified bicycle lawyer in Florida, contact us today!