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For cyclists who frequently take to the road on their bikes, having sufficient auto insurance that covers cycling is crucial. Whether you’re commuting to work or enjoying a leisurely ride, accidents can occur, and being prepared can be lifesaving.
When a cyclist is involved in an accident with a car, the car’s insurance typically covers the damages first. However, if the driver is uninsured or underinsured, or the incident is a hit-and-run, cyclists can turn to their own auto insurance for help. Having “Uninsured or Underinsured Motorist Coverage” can provide crucial financial protection in such situations.
Medical expenses can quickly add up in the unfortunate event of an accident. With “Med-Pay” or “Medical Payments” coverage, cyclists can receive reimbursement for out-of-pocket medical expenses resulting from the accident. This coverage can ease the financial burden of seeking medical treatment and help with recovery.
One common concern among cyclists is whether using their auto insurance for a bike accident will affect their rates. The good news is that your rates should remain unaffected if the accident is not your fault. This is why having the right coverage in place and understanding your policy thoroughly is essential.
If you’re unsure about the extent of your coverage or need help interpreting your policy, contact your auto insurance carrier. They can provide details on your current coverage and help you determine if additional coverage is needed.
For those seeking legal guidance after a bicycle accident, consulting with a knowledgeable attorney like Josh Bonnici at Bonnici Law Group can provide valuable insights. To schedule a complimentary consultation, contact Bonnici Law Group at 619-259-5199 or by clicking here.
Remember, being prepared with adequate auto insurance can provide peace of mind and financial protection in the event of a bicycle accident. Stay safe on the roads, and enjoy your rides knowing you’re covered.
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