A collision with a bicyclist can lead to painful injuries, hospitalization and even death. If you strike a bicyclist, your mind will immediately race toward the topic of the biker’s welfare, a potential lawsuit and insurance.
The Owens Agency LLC, serving Waldron, AR has all the information you need about auto insurance claims after a collision with a bicyclist.
The Aftermath of a Collision With a Bicyclist
Most auto insurance policies cover accidents with bicyclists, motorcycle riders and automobiles. The liability component of auto insurance covers those accidents.
The logic in providing such coverage is that a collision with a wayward bicyclist should not lead to personal bankruptcy. Even if you are at fault for the collision with the bicyclist, your insurance still might provide coverage for all or part of the ensuing costs.
Avenues of Recourse
Aside from your auto insurance coverage, there’s also a chance the bicyclist’s personal healthcare insurance will kick in to cover resulting health bills.
However, if the victim is not insured, he or she will likely consider legal action against the driver. As long as your auto insurance is active and the monthly premium has been paid in full, its liability segment should cover causally related costs.
Such costs have the potential to amount to tens of thousands of dollars, hundreds of thousands of dollars or more. Examples of medical costs causally related to collisions with bicyclists include medical care, durable medical equipment, prescription medication, ensuing physician visits and loss of earnings.
The Owens Agency LLC is on Your Side
Are you in the market for a new auto insurance provider? We’ve got you covered. Give our professionals a call at 479-637-2207 to learn more about car insurance for Waldron, AR drivers.
