Riding a bicycle is a convenient and Eco-friendly mode of transportation individuals may choose to get around as it comes with many benefits. Bicycles can improve an individuals health as well as reduce their carbon footprint. However, bicyclists must remain cautious when riding. Unfortunately, serious accidents and injuries happen due to negligence. Bicyclists do not have adequate outside protection in the event of a collision. Bicyclists may suffer both physical and mental trauma as a result of a collision. With this, comes expensive medical medicals and other damages. Victims of bicycle accidents damages are typically covered by either their own insurance or the at-fault parties insurance policy. If you or someone you love has been injured in a bicycle accident, contact one of our trusted and adept New York City Bicycle Accident Attorneys. Our firm is committed to helping our clients recover financial compensation for their losses. We can help you file a claim against a negligent party to seek the justice you deserve.
What to know about insurance coverage for a bicycle accident?
Depending on the circumstances of the incident, the victim or the at-fault parties insurance policy may cover damages sustained in a bicycle accident.
Motor vehicle
As a result of New York’s no-fault insurance laws, if a motor vehicle strikes a bicyclist, the motorist’s insurance will cover the victim’s medical costs. Legally, victims are entitled to file a claim against a negligent driver to recover monetary compensation for their damages. However, if the bicyclist was partially at-fault for the accident, their award will be reduced.
Pedestrian
When a bicyclist is injured in an accident due to a negligent pedestrian, their homeowner’s or renter’s insurance will cover their damages. A negligent pedestrian refers to a pedestrian that does not abide by the rules of the road. For instance, a pedestrian may fail to adhere to traffic signals causing them to collide with a bicyclist. Injuries sustained by pedestrians will be covered by their own insurance. However, if a bicyclist is at-fault for the accident, the pedestrian may file a claim against them. This will result in the bicyclists personal liability homeowners insurance to cover the pedestrians damages.
Two bicyclists
If a bicyclist collides with another cyclist, their personal liability homeowners insurance will cover the other cyclists damages. The at-fault cyclists insurance will cover the cost of their own damages.
Stationary object
If a bicyclist collides with a stationary object such as a pole or a parked car, their damages will often be covered by their own health insurance. However, if they cause damages to another person’s property such as a parked car, their homeowners insurance will cover the cost of damages.
If you have been injured in a bicycle accident, please don’t hesitate to contact one of our experienced and determined attorneys. With years of experience, our attorneys can help clients recover just compensation for their injuries.
