Bike Accident Injuries - How an Attorney Can Help

Cyclists have just as much right to be on the roads as drivers. Bicyclists can be seriously injured, even in a low-speed collision with a vehicle. You have the right to be compensated for your bike accident injuries. An attorney familiar with cycling and bicycle accidents can stand up for those rights and get you the compensation you need.

Help for Injured Cyclists throughout the Chicago Area and Illinois

A bicycle accident is a game changer whether you are a weekend cyclist, enjoying the back roads of DuPage, Will or Cook counties, or an urban commuter riding through downtown Chicago. Protected bike paths and city bike lanes help to reduce accidents, but when they happen, the risk of injury is high. When a biker goes over the handlebars, there is a good chance of:

  • Concussion
  • Head injuries
  • Broken clavicle (collar bone)
  • Broken arms; and
  • Road rash (abrasions caused by sliding skin across concrete or asphalt).

Depending on the severity of your injuries, your medical expenses after a crash can quickly add up to hundreds of thousands of dollars. Your bike accident attorney's top priority is to make sure you get the medical attention you need to make a full recovery.

How Auto Insurance Plays into Bicycle Accident Cases

It may seem strange that auto insurance can help with your bicycle accident injuries. But whenever a vehicle is involved, so is automobile insurance. One of the first thing a bicycle accident attorney will do is investigate which auto insurance policies might come into play.

Driver Liability Insurance

If you are hit by a car, you may be entitled to benefits under the driver's liability insurance. Illinois requires every motorist to carry insurance covering $25,000 per person and $50,000 per accident for personal injury, and another $25,000 to cover damage to your property - including your bike. A bike accident lawyer will help file your insurance claim to make sure you get all the available benefits.

Med Pay and PIP Coverage

You aren't required to have medical payment coverage (Med Pay) or personal injury protection (PIP coverage) by law. But many cyclists choose to pay the extra money to make sure they are covered after a collision. If you have this optional coverage, your cyclists' attorney will make sure all the claims are filed to get you all the benefits you paid for.

Uninsured/Underinsured Motorist Insurance

Your own auto insurance may also include uninsured or underinsured motorist insurance. This fills the gaps between your injuries and the driver's insurance. It makes sure you won't be left with a pile of unpaid medical bills after all is said and done. If you were the victim of a hit-and-run accident, or your bicycle accident injuries are serious enough to exhaust the the other driver's auto insurance, your bicycle accident attorney will file supplemental claims with your insurance company to get all your needs met.

Once your bicycle accident lawyer identifies all the right insurance policies, it's a question of negotiation. Your attorney will work with insurance adjusters and defense lawyers to come to a settlement that will cover all you needs.

When Insurance Won't Pay

Cyclists have the right to fair compensation for their injuries. But often, insurance companies will put up a fight, claiming:

  • Injuries weren't caused by an auto accident
  • Medical treatments weren't necessary for the injuries; or
  • Bicyclists were at fault for their accidents.

That's where an experienced bicycle accident attorney can help. When you have been seriously hurt by a collision with a car, you shouldn't get short-changed by a stingy insurance company. If negotiations fall short, an aggressive trial attorney can step in and take your claim from complaint through trial.

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