personal injury

Bike Accident Attorneys

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Similar to a motorcycle accident, when there is a collision between a motor vehicle and a bicycle, the cyclist is at an obvious disadvantage. As a result, bike accidents often result in severe injuries or death. Large pickups and SUVs have become more and more common on the roads, while at the same time infrastructure for proper bicycle lanes and barriers still lags behind. Correspondingly, bicycle crash rates, and bike accident injury claims, have risen dramatically over the past decade.

Because bike accident injuries are often so severe, many times the person who caused the accident does not have sufficient insurance coverage to cover the damages. Most people are unaware that there is usually additional coverage through their own auto insurance even though they were not operating a vehicle at the time of the crash. While liability coverage contained within an auto policy typically follows the vehicle, uninsured (UM) and underinsured motorist (UIM) coverage follows those who are considered and “insured” under the policy and provides compensation when the person who caused the accident is either uninsured or underinsured. If you have been injured in a bike accident, make sure to speak with your local personal injury attorney about whether UM or UIM coverage is applicable to your situation.

Frequently Asked Questions

If you have additional questions not included here, please contact us.

What happens if I was injured by a driver with no insurance?

You can make an injury claim under your own insurance for uninsured motorist benefits. In Nebraska, it is mandatory that every auto insurance policy include uninsured and underinsured motorist coverage (UM/UIM). You can review the declarations page of your auto insurance policy to see a summary what coverages you currently have; however, the minimum requirement for uninsured motorist coverage in Nebraska is $25,000 per person and $50,000 per accident. Furthermore, uninsured motorist coverage applies regardless of whether or not your vehicle was involved in the accident. If you have been injured in an accident and the other driver who caused the accident was driving without liability insurance, speak with a personal injury lawyer to discuss your options and find out what coverages may be available.

After I have been injured in an accident, will auto insurance cover all of my medical bills?

The short answer is, it depends. Whether the liability insurance carrier will cover all of your medical expenses depends on a number of factors, including whether or not the insurance company accepts liability and whether there is any dispute as to causation of injuries. Potential dispute as to your medical expenses is just one more reason you want all of your medical expenses to be processed through health insurance. Contrary to what many healthcare providers will tell you, it’s in your best interests for all medical bills to be submitted to your health insurance. Submitting your bills to health insurance allows you to take advantage of the contractual rates your insurance carrier has negotiated with your healthcare providers. It also assures that your bills will get paid on time.

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