For some, they have managed to break free of the auto dependency that consumes most people. The stars have aligned and these people are able to get everywhere they need to go on their bicycle. As such, they don’t have much need for a car. However, this can present a unique problem. Without a car, you also have no need for auto insurance, something that in the event of an bicycle accident, can be helpful.
In truth, even if you are a cyclist, it might be beneficial to have auto insurance even if you don’t have a car. These policies can be helpful in the event of an accident. Don’t just depend on the fact that you can get the motorist’s insurance to cover the accident.
It is crucial to remember that not all accidents are caused by motorists. Many of them are, for certain, but a cyclist can be just as responsible in some accidents, and as such, may be barred from insurance coverage as the party at fault. So even if you have become free from the burden of a car, you may want to think twice before becoming free from auto insurance.
Bicycle Accident Lawyer
Have you been hurt in a cycling accident? Regardless who was at fault, we can help you. If you have been injured or your bike has been totaled, contact us today to see what the Law Office of Gary Brustin can do for you. As a cyclist himself, Gary Brustin understands how dangerous the roads can be for us. As such, he has dedicated his life to seeing that a cyclist’s rights in an accident are preserved.
While we have a whole checklist of things to check before riding, checking our insurance coverage probably isn’t one of them. In fact, most of us would probably rather read the dictionary than what our insurance covers. However, it isn’t until you get into a bicycle accident that you begin to wonder, does auto insurance cover bicycle damage?
The short and probably surprising answer is that yes, it does. This usually catches people off-guard since a bicycle doesn’t have a motor. However, when we buy automobile insurance, we are not only buying protection in case we harm others with our automobile, but also if other automobiles harm us. This doesn’t matter if you are in an automobile or on a bicycle, as long as the crash happened with at least one automobile it should be covered by insurance. In many cases, except for the event in which the driver actually drives off without exchanging information, the automobile driver’s insurance will pay for any damages to the bicycle. However, if they do drive off, your UM coverage (uninsured/underinsured coverage) will cover the damage as a sort of hit and run situation.
If you have been hurt in a bicycle accident, you may need more than auto insurance to cover all your damages. Not only might your bike be trashed, but you could be seriously injured as well. If this is the case, contact us today so the Law Office of Gary Brustin can help get you and cyclists like you the justice they deserve in a world still learning to share the road.