How Does Personal Auto Insurance Impact My Bicycle Accident Claim?

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How Does Personal Auto Insurance Impact My Bicycle Accident Claim?

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After being hit by a car on a bicycle, you are probably wondering if your injuries will be covered by auto insurance. Since Florida is a no-fault state that requires all drivers to carry personal injury protection insurance, you should be covered. No-fault laws are designed to make the claims process easier by automatically compensating you regardless of who was at fault. If you have experienced any problems, try asking a Tampa personal injury lawyer for help.

The Purpose of Personal Injury Protection Insurance

Many no-fault states like Florida require all drivers to purchase personal injury protection auto insurance. What personal injury protection insurance does is cover general financial losses caused by these types of accidents. Any accident that involves another car counts.

What this means is not only are car accidents with other drivers covered but so are pedestrian and bicycle accidents with other drivers. The other driver’s auto insurance should cover the injuries and other damages you suffered. Your auto insurance policies should likewise cover damages to the other driver.

Something that can make life easier is the way personal protection insurance works with health insurance. This type of insurance plan can cover any additional medical expenses that were not already covered by your health insurance You may end up not having to pay any of your medical bills caused by the accident out-of-pocket.

How Does Personal Auto Insurance Impact My Bicycle Accident Claim?

How to Simplify Your Bicycle Accident Claim

While you are almost guaranteed compensation after a bicycle accident in Florida, sometimes the claims process can become tricky. Certain things may slow this process down like not submitting all the required documents. When filing a bicycle accident claim, be sure to find out what you need to submit like:

  • A copy of the police report
  • Copies of your medical records
  • Details about the accident
  • Evidence of the damages you suffered

Be sure to save any receipts for things you had to buy because of the accident. This could mean receipts for a new bicycle, bicycle repairs, or medications. Past receipts of your damaged bicycle along with any other bicycle equipment you added can mean more compensation.

Collect as much evidence as you can yourself. Take pictures of the bike damage and your injuries. Write down witness contact information and do not forget to take down the driver’s contact and insurance information.

You can also try contacting a Tampa bicycle accident lawyer to see what else you might need. An experienced lawyer will know ways you can speed up your claim and earn the compensation you need. If your claim is denied or delayed, your lawyer will know what to do.

Tampa Personal Injury Lawyer

Going through the claims process for a bicycle accident can be confusing. Call the Rebein Law Firm by dialing (813) 305-7285 to talk to a Florida accident attorney for a free consultation today. Our team of Tampa personal injury lawyers can help you seek compensation for your medical bills, pain and suffering, and lost wages. We serve clients throughout the Florida cities of Tampa, Hillsborough, Pinellas, Sarasota, Manatee, Pasco, and Polk County.

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