Insurance Coverage for Bicycle Accidents

Multiple insurance policies may cover your bicycle accident injuries. Understanding your options maximizes recovery.

Driver's Auto Insurance

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Bodily Injury Liability Covers injuries you cause to others. This is where most bicycle accident claims are filed.

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Minimum Limits Vary by State

• Low: $15,000 per person (some states)

• Medium: $30,000-50,000 per person

• High: $100,000+ per person

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Problem Minimums are often inadequate for serious injuries.

Your Auto Insurance

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Uninsured Motorist (UM) Covers you when hit by an uninsured driver—often applies even when you're on a bicycle.

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Underinsured Motorist (UIM) Covers the gap when driver's insurance isn't enough.

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Medical Payments (MedPay) Covers your medical bills regardless of fault.

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Check Your Policy Not all policies cover you while cycling. Review yours now.

Health Insurance

Your health insurance covers accident injuries like any illness. However:

• Deductibles and copays apply

• Subrogation may require repayment from settlement

• Doesn't cover pain and suffering

Homeowner's/Renter's Insurance

May provide liability coverage if you cause an accident injuring someone else.

Maximizing Coverage

1. Know all available policies 2. Stack coverage when allowed 3. Understand exclusions 4. File claims strategically 5. Work with an experienced attorney