After treating 100’s of bike accident cases, we know what it takes to make sure your medical expenses are covered by car insurance if you’ve been in a car related bike accident.
1.) FILE A POLICE REPORT: No matter how minor the perceived accident may be, RECORDING it is key to future legal protection. (Laws require any accident to be reported when $1500 worth of damage is done and this includes both bodily injury and your bike frame.)
2.) GATHER INFORMATION: Gather information from all involved plus at least one witness. Its not necessary to admit fault, simply trade basic information and insurance information.
3.) GET CHECKED OUT: Always see an experienced injury specialist to be thoroughly evaluated. Know exactly what the scope of your injuries are and make an injury claim with your insurance. (No, this does not increase your insurance, those increases are based upon damage to your primary vehicle insured.) Your Personal Injury Protection coverage will cover you and go after the liable party’s insurer if you were able to gather that information.
4.) RECOVER YOUR LOSSES: The other motorist involved, their liability insurance will cover your injuries and the damage of your bike. This is where a police report and any witnesses that can vouch for what happened can substantiate your claim.
Bicycle Only Insurance Coverage Options:
1. Markel, $10,000 Bodily Injury Coverage, (http://www.markelinsuresfun.com/products/bicycle)
2. BIKEon Accident and Liability Insurance, $100,000 Bodily Injury Coverage, http://www.betterworldclub.com/green-insurance-services/insurance-services/
Average Monthly Cost: $30-40/mo
If you have car insurance, you are covered by your PIP (Personal Injury Protection,) as your bike is considered a moving traffic vehicle, but do you have enough coverage?
Oregon state minimums require you to have at least $15,000 in PIP coverage per accident. But this is no-where near enough. If you are hospitalized, that money will be gone in one day. We recommend getting the maximum amount of PIP coverage, as the pricing difference between the minimum and maximum is around $100, ($9-ish dollars a month isn’t substantial.) This way whether you hit a cyclist or are the cyclist being compromised, there’s enough health coverage either way.
1. Cycling without coverage = Risk of enormous hospital bills if a driver gets away with a hit-and-run.
2. If you’re the driver = You’re morally reprehensible and worthy of punitive damages (aka, you can be sued.) It’s easiest to stay and be helpful. Eye witnesses are eager to track you down and only need your plate number and a basic description of you.
As a bike commuter (even in a biking friendly city such as Portland, Oregon) being hit by a car is terrifying. Carmen shares her story to help you know what to expect and how important it is to ask for help. She details how the hit was shocking, she didn’t have time to react, and was knocked into an oncoming lane of traffic. Because the driver took off and she was disorientated, she couldn’t identify anyone to prosecute in court for her damages.
She then describes the difference between going to a hospital, spending $1200 dollars for very little value in treatment, compared to going to an independent clinic that specializes in biking accident injuries.
In hindsight, she talks about the importance of asking by-standers for help, anyone who saw something are usually willing to help. Ask for their information in order to record them as a witness. Just in case you are able to identify the person who hit you, their insurance will be responsible for your injuries.
Yes, unfortunately your bike is considered a “moving vehicle” and legally traffic fines are the same for running red lights and stop signs, but if you are injured, this designation is equally as important in covering you financially under Personal Injury Protection insurance.
2.) LEFT-HOOK (happens on one-way streets): Same as the RIGHT-HOOK, but turning left.
3.) When you are traveling on a busy street WITHOUT dedicated bike lanes, this forces you to ride as closely as possible to the right side. There are often parked cars lining urban streets and car doors can open suddenly to hit you and throw you into the lanes of traffic. Use as many dedicated bike path routes as possible.
ADVANTAGES OF GETTING TREATMENT WITH AN EXPERIENCED BIKE CULTURE SUPPORTIVE CLINIC
1. We have several bike commuters on staff who have personally had their own bike accidents. We know how damaging these impacts are and how limited the hospital’s help is for non-open wound care and on-going treatment.
2. We are located on NE Portland’s most well used bike path on N. Williams close to Legacy Emmanuel hospital.
3. We’ve treated many other cyclist injuries and are familiar with how to achieve the best results and can help you recover as soon as possible.
4. In complicated cases, we know when it’s time to refer you to a quality personal injury attorney and want you to be aware of your rights.