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Does My Automobile Insurance Cover Me For Accidents on My Bicycle?

The Role of Underinsured Motorist Coverage

When you invest in car insurance, you expect it to provide financial protection in the event of an accident. If you're like many policyholders, however, you never bothered to read the fine print. While this failure sometimes plays out in claim denials, your lack of understanding regarding the details of your policy could also lead you to miss out on extensive coverage. For example: depending on the extent of your insurance coverage, you may qualify in the event of a bicycle accident.

Does my own automobile insurance cover me for accidents when i am on my bicycle?

The Role of Underinsured Motorist Coverage

Underinsured motorist coverage can be valuable for today's drivers, who are unfortunately surrounded by uninsured and underinsured motorists every time they get behind the wheel. Under this approach, coverage is extended even when accidents occur involving drivers who lack proper insurance policies. This essentially fills the gap when the uninsured or underinsured driver is unable to cover the cost of injuries or losses related to the crash.

While most underinsured claims occur following cases involving multiple vehicles, they can sometimes be filed after a pedestrian or biker is hit by an uninsured or underinsured driver.

If you're like many policyholders, you already possess some form of underinsured motorist coverage but don't currently make the most of it. These policies can be extremely confusing, even for drivers who take time to understand the specifics of their coverage. Often, it takes a sophisticated legal representative to recognize that coverage is available for pedestrians or bicyclists.

Whether you were involved in a car accident while driving or were hit while riding your bike, you deserve legal support from an attorney who cares. We're determined to provide the high-quality counsel and representation you require at this difficult time. Contact us at your earliest convenience to get started with an accident case consultation.

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