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How Auto Insurance and Bike Accidents Work Together

Auto Accident Lawyer

As an avid bike rider, you love every chance you get to head out on the road. You’re careful to make sure your bike is in good working worker and that you have the necessary safety equipment. You’re probably well aware of the risks you take when you ride in or near traffic. Do you know whether your insurance providers will cover you in case a car collides with you? While you can file a medical claim for help with any injuries, you may be able to get your auto insurance involved as well.

Know Your Plan

Unfortunately, a lot of drivers don’t know much about their auto coverage. Fewer bike riders are familiar with how their car insurance affects incidents while riding. You put a lot into your riding, but don’t forget to become familiar with your insurance coverage. It’s a good idea to review your plan once a year and understand the coverage limits you have on your bike.

Speak to Your Insurance Agent

You may not understand everything your policy points out. Thankfully, a helpful agent should be just an email or phone call away to address any concerns or answer any questions. Meet with the insurance representative to speak about what your policy says about bike-automobile collisions.

Get the Coverage You Need

If your policy doesn’t currently cover bike injuries you suffer in an accident with a car, speak to your agent about adding it to the plan. If this is unavailable, shop around for a plan that fits your needs.

What Plans Should Cover

As a bike rider, auto insurance policies can come in handy in many situations. If the vehicle driver is uninsured or under-insured, your plan may help cover your damages and injuries. It’s also good to turn to your auto insurance if the driver flees the scene and you can’t identify the person. Your auto insurance plan can help pay for your medical bills, including doctor’s office visits, medicine and other treatment, surgeries and rehabilitation.

Speak to an Attorney

If your auto insurance is making the claims process difficult, you should consult a personal injury attorney. An experienced lawyer, like an auto accident lawyer in Indianapolis, IN, has the knowledge and skills you can rely on to negotiate a fair settlement with your insurance company and that of the vehicle driver.

Make insurance coverage a part of your preparation as you ride your bike. This is a good way to protect yourself every time you head out on your bicycle.

More info at Car Accident Law Firm Indianapolis.

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