Bicycle accidents commonly result in catastrophic injuries, permanent disability, and an ongoing need for medical care. Your life can be turned upside down. When a bicyclist is involved in a crash with a motor vehicle, the rider does not have the benefit of airbags, seatbelts, or other safety mechanisms that cars have. After an accident, bicycle riders are often not treated fairly by insurance companies because of biases against bikers and/or a misunderstanding of the laws that apply to them. We can help you and your family protect your legal rights and stand up to the insurance companies to get the full compensation that you truly need. If you or a loved one have been involved in a bike accident, do not hesitate to seek legal counsel experienced in bicycle accident cases to best protect your interests. You may be entitled to recover damages that include medical costs, property loss, lost wages, and pain and suffering. Contact our accident injury attorneys at 949-409-4299.
Insurance policies can have a very broad application. Even though you were injured while riding a bicycle, your own auto insurance may provide coverage for you in the event of a collision with a motor vehicle. Uninsured/Underinsured (called “UM/UIM”) motorist coverage is automatically applied to nearly every auto insurance policy unless you specifically reject or waive that coverage. It can cover you when you are on a bicycle, electric scooter, or as a pedestrian, and for many other types of accidents where you are hit by a motor vehicle. It can also cover your relatives who live with you.
UM/UIM coverage works like this: Biker is struck by Defendant Driver. Defendant Driver causes $100,000 in injuries to Victim. Defendant Driver only has $15,000 in insurance coverage. However, Victim’s own auto insurance policy contains $100,000 of UM/UIM coverage. Therefore, Victim is covered up to a total of $100,000. The victim can claim the $15,000 from Defendant’s insurance and the remaining $85,000 from Victim’s insurance, giving Victim a total award of $100,000.
As you can see, UM/UIM coverage can be complicated. This is perhaps the most overlooked area of law by both individuals and attorneys alike. An attorney can offer critical advice in explaining the rights you are entitled to under your insurance policy. If you or a loved one have been involved in a car accident and the defendant does not have enough insurance or has no insurance, do not hesitate to seek legal counsel experienced in UM/UIM cases to best protect your interests. You may be entitled to recover damages that include medical costs, property loss, lost wages, and pain and suffering. Contact our attorneys at 949-409-4299.