As bicycle riding grows in popularity in Kentucky, cyclists may wonder whether they will be protected by insurance if they are injured in a bicycle accident. The answer is that bicycling injuries may be covered depending on how they happen and what insurance policies exist.
You can insure yourself against being injured while riding a bicycle. But if someone else causes an accident, you’ll want them to ultimately pay for your losses, such as your medical expenses and the cost to repair or replace your bike. For example, if a motorist struck your bicycle and injured you, you may be entitled to seek coverage of your medical expenses from the motorist’s personal injury protection policy. But the other person involved in an accident or their insurance company might push back and refuse to pay. You need an experienced Kentucky Courage attorney to stand up for you.
If someone else caused a bicycle accident in Kentucky that left you with injuries, a Kentucky bicycle accident attorney with Morgan, Collins, Yeast & Salyer is available to help you seek just compensation for your losses. Call us today at (877) 809-6889, and we can review the bicycle accident and discuss your legal options in a free consultation.
Statistics on Bicycle Accidents in Kentucky
According to the Kentucky Transportation Cabinet, there were 330 collisions involving bicyclists in a recent year, including 9 fatal bicycle crashes.
Insurance Options for Bicycles in Kentucky That Prove It Worth It
If you are an avid cyclist in Kentucky, you may want to consider insurance options for yourself and for your bicycle before an accident occurs.
You can insure yourself against injury with health insurance. Most Kentuckians who have health insurance get it through group plans offered by their employers. Others buy it on their own or through the Kentucky Health Insurance Marketplace or the federal Health Insurance Marketplace at HealthCare.gov.
You can insure your bicycle in several ways. Some companies offer specific policies for bicycles, including options to insure the bike against crash damage, theft, and loss in transit. After an accident, a crash damage insurance plan would pay the policyholder regardless of who was at fault for a bicycle accident.
If you have homeowners or renters insurance, you may find that your policy covers your bicycle for damage, theft, or loss in transit. If not, your insurance company would likely be willing to add a rider with the additional coverage you want.
Liability Insurance for Bicycle Riders and Drivers at Fault for Accidents
If you have been seriously injured in a bicycle accident, it can be a confusing time. Insurance coverage can be complicated. You should call an experienced Lexington personal injury attorney at Morgan, Collins, Yeast & Salyer to evaluate your options and answer your questions. The consultation is free!
How Would Insurance Help You After a Bicycle Accident in Kentucky? 3 Scenarios
Two bicycles collide:
- If the other cyclist is at fault, you would seek payment from the liability insurance they hold, such as on their homeowners or renters policy. Homeowners’ policies and renters insurance typically includes liability coverage, which protects the policyholder when they cause someone else’s loss.
- If you’re at fault, you would rely on your liability coverage to pay the other bicyclist for their medical bills and property damage. Your own losses might be covered by your health insurance, your homeowners or renters insurance, or bicycle insurance.
A bicyclist and a motor vehicle collide:
- If the motorist is at fault, their auto liability insurance should pay for your medical bills. If the motorist is uninsured, you might have to file a claim against your own uninsured motorist coverage.
- If you’re on a bike and at fault, you would rely on your liability coverage to pay the motorist’s property damage. Your health insurance and your homeowners, renters, or bicycle insurance may pay for your losses.
A bicyclist and pedestrian:
- If you ran into a pedestrian on your bicycle and injured them, your homeowners or renters liability insurance should pay the pedestrian’s medical bills. The same coverage might pay for damage to your bike.
How We Can Help After a Bicycle Accident?
If a bicyclist’s medical bills and losses exceed the $10,000 limit of Kentucky’s no-fault auto insurance laws, the bicyclist may be able to sue the at-fault motorist and their insurance company for additional losses, including for pain and suffering.
Our bicycle accident lawyers at Morgan, Collins, Yeast & Salyer in Lexington or any other near areas in Kentucky can help you hold the responsible party accountable for the full costs of your bicycle accident injuries.
Call us at (877) 809-6889 or fill out the online contact form to schedule a FREE consultation.
