Cycling alongside bustling traffic and larger vehicles comes with risks, and accidents can and do occur. If you’re a cyclist hit by a car, you might wonder: Does auto insurance cover bicycle accidents?
This guide, designed specifically for the unique road conditions in Colorado and crafted for Zara Injury Law clients, delves into the specifics of how auto insurance policies come into play in bicycle accidents. Call our Denver bicycle accident lawyers today if you were hit on a bike.
Understanding coverage for bicycle accidents by auto insurance
Auto insurance can indeed provide coverage in a bicycle accident, but the specifics depend on the nature of the accident, the details of the insurance policies involved, and the laws in Colorado.
Liability insurance coverage
In Colorado, which follows a fault-based insurance system, the driver’s liability insurance plays a critical role if the driver is at fault in a bicycle accident. Liability coverage will typically pay for the cyclist’s medical expenses, lost wages, and pain and suffering.
Under Colorado law, drivers must carry liability insurance with a minimum coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage (CRS 42-4-1409). This coverage extends to injuries to bicyclists if the motorist is at fault.
Uninsured/underinsured motorist coverage
If a bicyclist is hit by a driver who does not have insurance or whose insurance is insufficient to cover the damages, the cyclist’s own auto insurance (if they have it) may provide coverage under the uninsured/underinsured motorist policy.
This type of insurance can cover medical bills, pain and suffering, and other losses, much like the liability insurance of the at-fault driver would have.
Medical payments coverage (MedPay)
MedPay is an optional coverage that drivers can include in their auto insurance policy in Colorado. It covers medical expenses for injuries sustained in an auto accident, regardless of who is at fault, and extends this coverage to bicyclists injured in an accident involving the insured vehicle.
Collision coverage and bicycle damage
While typically used for damages to the vehicle itself, if the cyclist has their own auto insurance with collision coverage, it might cover the damage to the bicycle. However, this is less common and would depend on the specifics of the policy.
What cyclists need to know
As with any road accident, a cyclist involved in a vehicle collision must document everything. This includes taking photos of the scene, the bicycle, the car, and any visible injuries, as well as gathering witness statements and police reports.
Prioritize your health and ensure you get a thorough medical evaluation immediately following the accident.
Navigating the aftermath of a bicycle accident, especially when dealing with insurance claims and potential legal issues, can be complex. Consulting with a personal injury lawyer who understands the nuances of Colorado’s traffic and insurance laws can provide invaluable guidance.
How Zara Injury Law can help
At Zara Injury Law, we are committed to helping cyclists injured in accidents with motorists. Our team has deep expertise in managing cases that involve complex insurance claims and ensuring that our clients receive the maximum compensation possible. We can assist in negotiating with insurance companies, filing claims, and, if necessary, pursuing further legal action to protect your rights and interests.
Call us for support and guidance
If you ask, “Does auto insurance cover bicycle accidents?” the answer is generally yes, but the coverage depends on several factors, including the specifics of the insurance policies and the details of the accident. Cyclists in Colorado can benefit from understanding their rights and the potential avenues for insurance coverage following an accident. For tailored legal advice and dedicated representation, contact Zara Injury Law. We’re here to ensure you are fully supported through every step of your recovery process.