Bicycle accidents can be some of the most devastating collisions that take place on Illinois roads. Since bikes are significantly outmatched by motor vehicles, the injuries resulting from even a relatively “minor” accident can be severe, and the effects long-lasting. If that’s not enough, many cyclists are unsure of what to do after an accident to pay for their sudden medical costs. Are you responsible for your own expenses, or does the driver who hit you have to pay?
The Role of Insurance in Illinois Bicycle Accidents
The good news after a bike crash is that insurance coverage has a role to play in protecting you against overwhelming medical bills and other costs. However, the extent to which insurance will cover your losses depends on the types of policies and amounts of coverage available. In some cases, multiple policies may come into play.
Health insurance is usually the first line of payment for medical treatment. Even if another party is at fault, your health insurance may cover emergency care and follow-up visits. Still, deductibles, co-pays, and treatment limitations may leave you with significant out-of-pocket costs, and if you’re unable to work due to your injuries, you may quickly encounter financial challenges.
Auto insurance can also provide coverage. Illinois requires motor vehicle operators to carry a minimum of $25,000 in bodily injury liability coverage, and if the driver who caused the accident has the required coverage, their policy should reimburse you for your medical bills, rehabilitation costs, and other related expenses. Depending on your coverage, your own auto insurance policy could also help if you’ve paid for medical payments coverage. This can help pay for treatment regardless of who was at fault. If the driver was uninsured or carrying minimal coverage, you may also be able to turn to your uninsured/underinsured motorist coverage for assistance.
Determining who pays in an Illinois bicycle accident claim can be a complex process, especially if multiple insurers are involved. They may attempt to shift responsibility and minimize your claim. Having strong legal support can help protect your rights and preserve your claim.
What Losses Can I Claim After a Bike Accident?
Bicycle accidents often lead to losses that go far beyond financial expenses (which are themselves no small matter). Depending on the facts of your case, you may be able to pursue compensation for a wide range of losses, including:
- All past, ongoing, and future medical expenses
- Rehabilitation and long-term care costs
- Lost income, including loss of future earning capacity or potential
- Physical and emotional pain and suffering
- Loss of enjoyment of life due to reduced mobility or lifestyle changes
- Permanent disability or disfigurement in cases of serious injury
- Repair or replacement costs for your bicycle and other damaged personal property
Protect Your Right to Pursue Compensation
Your health must be your top priority after a bicycle accident. Secure prompt medical treatment, follow the doctor’s recommendations, attend all follow-up appointments, and keep detailed records of your expenses. As soon as you’ve addressed your immediate medical needs, contact an Illinois bike accident lawyer to discuss your case. They will conduct a thorough investigation into the crash, handle insurance negotiations, and fight to recover the full compensation you deserve.
Contact an Illinois Bike Accident Attorney Today
If a driver hit you while you were riding your bicycle, you need the support of a knowledgeable lawyer who can navigate the insurance maze while you focus on healing. Contact Bartholomew, Shevlin & Flack, LLP, right away for a free initial consultation with an experienced Illinois bicycle accident attorney to discuss your next steps.