As a cyclist, it’s crucial to understand how to protect yourself in a car accident. Many cyclists are unaware of the legal protections and insurance coverage available to them, even though they share the road with vehicles. In California, the law treats cyclists as having the same rights and responsibilities as drivers of motor vehicles, according to the state’s vehicle codes. This means cyclists are entitled to compensation if they are involved in an accident caused by a driver. But there’s more you should know, particularly regarding your underinsured/uninsured motorist coverage.

How Uninsured and Underinsured Motorist Coverage Helps Cyclists

One key protection cyclists may not realize they have is uninsured/underinsured motorist coverage through their auto insurance policy. This coverage, commonly used when a driver is involved in a car accident, also extends to cyclists. If you’re hit by a car while riding your bike, this type of insurance can cover you just like it would if you were driving a car.

Suppose you’re cycling on the road, and a car strikes you. If the driver responsible for the accident has a small insurance policy, it might not be enough to cover your medical bills and damages. In cases like these, your underinsured motorist coverage can step in after collecting the available amount from the driver’s insurance policy. If your insurance policy has a higher limit than the driver’s, you can utilize the difference to cover your accident-related costs.

The best part? Since this type of claim is considered non-liability, your insurance premiums won’t increase after making a claim. You’re not at fault, and underinsured/uninsured motorist coverage protects you in these unfortunate circumstances.

Why Cyclists Should Consider This Coverage

If you’re a cyclist, it’s essential to look into whether you have underinsured/uninsured motorist coverage as part of your auto insurance policy. Many people assume that this coverage is only relevant for car accidents, but it extends to cyclists sharing the road with vehicles. Whether riding for leisure or commuting to work, the risk of an accident is always present. This type of insurance ensures that you’re protected financially, regardless of whether the driver responsible has adequate insurance.

Unfortunately, many drivers in California carry only the minimum required insurance, which is often not enough to cover the costs of a serious bike accident. Medical bills, lost wages, and property damage can add up quickly. Without sufficient coverage, you could be left paying out of pocket for expenses you didn’t cause. By ensuring you have underinsured/uninsured motorist coverage, you give yourself peace of mind knowing that you’re covered, whether in your car or on your bike.

Have Questions About Your Coverage? Bonnici Law Group Can Help

Navigating the aftermath of a bike accident can be confusing, especially when it comes to understanding your insurance coverage. If you’re unsure what your insurance policy covers or have been involved in a cycling accident and want to discuss your options, Bonnici Law Group can help. Our team understands the unique challenges of bike accidents and how they can impact your life. We have handled hundreds of bike accident cases across Southern California and are dedicated to ensuring that cyclists receive the protection and compensation they deserve.

Don’t wait until an accident happens to find out whether you’re covered. If you have questions or need assistance with a bike accident case, contact Bonnici Law Group today. Call (619) 259-5199 or click here for a free consultation. Protect yourself on the road and get the legal support you need!

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