Insurance Coverage For a Bicycle Accident

Answer:

Cyclists are often surprised to learn that their own auto insurance can come into play if they’ve been injured by the negligent actions of a driver while they’re out riding their bike. There are various coverages that can come into play. You have to realize that not just the bad guy’s insurance but your own coverage, including your underinsured motorist coverage, comes into play.

What’s underinsured motorist coverage or uninsured motorist coverage? They’re related. They’re types of coverages that you can purchase for yourself that protect you from the actions of a negligent driver. If that negligent driver doesn’t have enough insurance and causes substantial injury to you and if you’ve purchased underinsured motorist coverage, you have protection against those losses. It’s really protection for yourself.

Much like your helmet is protection for yourself or riding with a camera can be protection for you, your underinsured motorist coverage is protection for you. That same applies with uninsured motorist coverage. Uninsured motorist coverage is for situations in which the driver has absolutely no liability coverage at all and you have purchased coverage to protect yourself. The reality is, both underinsured and uninsured motorist coverages are very cheap here in Idaho. This Idaho insurance does a great job of taking care of you.

Our recommendation is that you look at your budget, and what you can reasonably afford, and buy as much underinsured and uninsured motorist coverage. This is particularly true for cyclists in Idaho but buy as much coverage as you can reasonably afford within your own budget because you’re taking care of yourself from the actions of other people who have been negligent or who drive dangerously. If you have a question about insurance coverage, just give us a call. We’re happy to talk to you here at the firm.