Are bicycle accidents covered under insurance?

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bicycle accident

In the sunshine state, bicycles are a popular mode of transportation. They allow individuals to stay active while traveling to their destinations. However, due to negligence cyclists can be seriously injured in accidents. Typically, the aftermath of a bicycle accident is devastating because cyclists have no outside protection. Cyclists could sustain life-threatening injuries that negatively alter their life. It is common for individuals to wonder if their damages will be converted by their insurance. However, in Florida, bicycle accidents are covered under insurance. If you have been injured in a bicycle accident, contact an experienced Port St. Lucie Bicycle Accident Lawyer who can help you recover reasonable damages for your losses. We are ready to fight on your behalf today. 

What are some common types of bicycle accidents?

Due to Florida’s warm weather year-round, individuals choose to ride bicycles. In addition to allowing individuals to travel from point A to point B, bicycles also keep them physically active. Bicycles are an eco-friendly transportation choice for those who want to reduce their carbon footprint. However, due to negligence, bicycle accidents are a common occurrence. Cyclists may be inflicted with serious physical and mental trauma due to another person’s negligence. Typically, the most common bicycle accidents include:

  • Bicycle and vehicle accidents
  • Bicycle and pedestrian accidents
  • Two Cyclists accidents
  • Bicycle and stationary object accidents

Regardless, of what type of accident cyclists are involved in their damages are covered under their insurance policies. If an individual has been injured due to another person’s negligence, they can file a claim to recover financial compensation for their losses. In Florida, injured individuals have four years from the date their injuries were inflicted to file a claim against a negligent party.

What is Personal Injury Protection (PIP)?

In Florida, anyone who drives a motor vehicle must have Personal Injury Protection (PIP) insurance coverage, which covers 80% of medical expenses and up to 60% of an individual’s lost wages in the event of an accident. Florida is a no-fault state. Regardless of who is at fault for a bicycle accident, under this type of insurance coverage individuals’ financial losses are reduced. PIP is required because it helps individuals pay for damages in the event of a collision. Individuals can still file a claim against another party to acquire additional compensation for their damages. In most cases, however, permanent disfigurement, impairment, or death is the only cause of further legal action.

If you or someone you love has been injured in a bicycle accident, reach out to one of our determined and skilled team members. With years of experience, our firm can help you recover just compensation for your damages. Our firm strives to achieve favorable results for our clients. We are on your side.