About The Accident Coverage Available To Bicyclists

Injury Lawyer Motor Vehicle Accidents

Cyclists are treated like motorists when it comes to the rules of the road. They are expected to obey all rules involving traffic signals and pedestrian walkways. However, they are not required to carry insurance. This doesn’t mean that they do not have benefits available to them should the situation arise that requires such things. Most often when cyclists are involved in a traffic accident is because of the fault of a motorist. Perhaps the motorist did not see the oncoming bicycle because they were in their blind spot. Most accidents involving bicycle versus car is because a motorist opened the door on an oncoming cyclist. But, accidents do occur where the cyclist is hit by the car.

Benefits are available to cyclists whether they have auto insurance or not. Their own auto insurance policy should cover medical benefits and injury, if they sustain them on the bicycle. The other person’s insurance will owe them compensation as well, if that person was at-fault. If the driver of the vehicle is un-insured and so is the injured party they might be eligible for benefits through a spouse, guardian, or from anyone’s policy on which they are listed. If none of these avenues are available then the government of Ontario will help to cover the costs related to the accident. The government of Ontario has the Ontario Motor Vehicle Accident Claims Fund which will pay out up to $200,000 for accident benefits. But be aware that the government should be considered the payer of last resort and only used should all other avenues fall through.

Now, there are two separate claims involved in auto accidents and this includes those with bicycles. There are medical benefit claims and there are compensation claims for damages. When injury is sustained at the fault of another an auto accident claim may be filed for medical benefits, loss of income, and additional care needed because of injury. It is the personal insurance of the bicyclist that is responsible for payment of medical benefits if injury is sustained.

Cyclists can count on in-depth coverage in the case of injury sustained during an accident involving motor vehicle traffic. Why they do not have insurance specifically for bicycles? Well, there are many subgroups within auto insurances that are meant to cover just such occurrences. Even if auto insurance falls through there are avenues within the government allotted to provide assistance during these times of need. Bicyclists can rest assured that their best interests are kept in mind when it comes to traffic and insurance regulations. That is because things happen even by accident. Bicyclists can rest assured that they are covered if ever they find themselves involved in an auto accident. Thus, if you have been injured in an auto accident and were on a bicycle, it is time to seek the assistance of a personal injury lawyer that can help you get the due compensation.

657 thoughts to “About The Accident Coverage Available To Bicyclists”

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