Bike Accident Insurance Coverage
Bicycle Accident Attorney in Miami Explains Injury Compensation Options for Hurt Cyclists
Knowing which insurance coverage options provide the best opportunity to recover compensation after a Miami bike accident can be confusing. Depending on the auto insurance policy and the circumstances of the bike crash, injured cyclists may make claims for Personal Injury Protection (PIP) and uninsured motorist/underinsured motorist (UM/UIM) coverage.
So, under which insurance policy do you file your bike accident claim? Do you file your claim with your own insurance company or the insurance company of the other driver? Our Miami bicycle accident attorney provides insight into Florida bike accident insurance benefits. We can also explain how to file personal injury claim after a bicycle accident.
What is PIP Insurance? Florida No-Fault Insurance Law and Miami Bike Accidents
If you own a car at the time of the bicycle accident, or if you currently live with a relative who owns a vehicle, then the auto insurance company may provide PIP insurance coverage. Also called Florida No-Fault insurance, your own insurance company may pay up to ten thousand dollars for a percentage of medical treatment and lost income from being unable to work. In some circumstances, you may be entitled to make a claim against the driver at fault for the bicycle accident when your PIP insurance benefits are exhausted. You may also make a claim for medical bills, lost wages and other expenses not covered by your insurance policy.
However, an experienced bicycle accident attorney is best at coordinating payments with your PIP insurance carrier and with making a claim against the other driver responsible for the bicycle accident. This ensures you obtain the most benefits available under your policy. It also ensures that the policy of the other driver covers any costs your PIP does not. Additionally, we can determine if you are entitled to med pay in addition to personal injury protection benefits.
What Happens if the Driver Does Not Have Car Insurance? UM/UIM for Bicycle Accidents in Miami
If the driver involved in a Miami bicycle accident has no auto insurance, you may be able to bring an uninsured motorist claim to your own car insurance policy. Purchasing uninsured motorist coverage is optional in Florida. However, it does protect cyclists in situations involving drivers with too little insurance benefits, no liability insurance and in hit-and-run bicycle accidents. Like PIP, you may be able to claim UM/UIM policy benefits if you live with a relative who has a car with uninsured motorist coverage.
What if the Driver Who Caused the Bike Accident was Careless?
For bicycle accidents that involve a negligent driver, cyclists seriously injured in Miami bike accidents may bring a personal injury lawsuit against the driver of the car or vehicle owner. In cases involving commercial trucks, this may be a lawsuit against the truck driver or trucking company. Whether the driver is at fault for driving distracted, under the influence or failing to take reasonable care when behind the wheel, gaining injury compensation that takes into account your pain and suffering from the bicycle crash can be essential to your recovery and quality of life.
With the assistance of an experienced bicycle accident attorney in Miami, an individual hurt while riding a bike because of the carelessness of a driver may gain financial recovery not fully covered by bike accident insurance claims.
Learn Your Legal Rights from a Bicycle Accident Attorney in Miami
The Miami bicycle accident attorneys of Colson Hicks Eidson receive recognition for their work in personal injury law. Additionally, many of our accident lawyers live in Miami. This means that we understand the poor infrastructure of the city, lack of dedicated bike lanes and high rate of negligent motorists. For more than 40 years, the bicycle accident lawyers at Colson Hicks Eidson have represented hundreds of victims and their families after accidents in Miami, throughout Florida and nationwide.
If you need assistance understanding how to file an insurance claim with your own policy, the policy of another driver or if you need help determining if the negligence of a motorist may be at fault for the bike crash, call our bicycle accident lawyers today.