We are aware that bicycle accidents occur frequently on roads. The major factor in most bike accidents is the negligence or carelessness of a car, truck, or other motor vehicle driver. The biker involved in many of these collisions sustains grave injuries.
You probably have anxiety about what to do after a bicycle accident, which insurance you should contact, and how your medical expenses will be covered, regardless of the severity of the harm or injury sustained. In that case, you should work with an attorney today to determine the costs.
Things to do if you are involved in a bike accident
Use your health insurance to pay medical bills.
Many individuals think the only payment source for accident-related medical expenses is settlement money. The billing procedures used by hospitals and other healthcare providers make health insurance extremely hard to understand.
No matter what, you should frequently utilize your health insurance as your primary source of financing for accident-related medical costs. You can use your health insurance for urgent care, therapy, and other bicycle accident injury-related services. Be aware that hospitals and providers must accept your health insurance card even if your injuries were caused by an accident.
You can also use the car insurance policy.
Many people who are involved in bicycle accidents are unaware that their own vehicle insurance may cover medical expenses. This is valid even if your automobile was not part of the collision.
To begin with, you should ask your agent if the situation qualifies for medical payments (Med-Pay) or personal injury protection (PIP) coverage under your auto insurance policy. If it does, these plans will compensate you for the out-of-pocket medical costs up to the maximum policy benefit.
Second, your car insurance would be helpful if the person who harmed you had no insurance or had inadequate coverage to pay for your damages. Your uninsured motorist insurance would provide coverage if the driver did not have insurance.
The insurance adjuster of the at-fault party will blame you.
Unfortunately, sometimes the at-fault party’s insurance adjuster will put some blame for their party’s injuries to you. For example, they might argue that you failed to give up the route, was riding too close to the car, or was not wearing a helmet.
Whatever the case, please refrain from giving up. Remember that the negligent party’s insurance provider is not on your side. They will do everything it takes to increase their bottom line to pay as little as possible.