Getting hit by a car while riding a bike is a terrifying experience with the potential for severe health implications. In the aftermath of a bike accident in California, one of the most pressing concerns cyclists often have relates to who is responsible for covering their medical expenses. In this blog post, we will delve into the complexities of this issue and explore the various sources of potential compensation available to you.
Understanding Liability in Bicycle Accidents 
Before diving into insurance coverage, bike accident victims in California will want to understand how liability is determined in bicycle accidents.
Definition of Liability
Liability refers to legal responsibility for an accident or injury. In personal injury cases, we must establish fault to assign liability. The rules governing liability vary from state to state, with some jurisdictions following a fault-based system and others employing a no-fault system. California is not a no-fault state for auto accidents. Typically speaking, this means that the person responsible (or the “at-fault” party) has to pay for the resulting injuries and property damage.
Determining Fault in Bicycle Accidents
Determining fault in a bicycle accident involves considering various factors, including the actions of the cyclist and the driver, witness testimonies, and evidence collected at the scene. Insurance companies and courts evaluate traffic laws, road conditions, and applicable traffic citations. Police reports and accident reconstruction experts can also be essential in determining fault. You will want to work with an experienced California bike accident attorney who can gather the evidence on your behalf and present it in the most favorable way possible.
Insurance Coverage for Bicycle Accidents
In most cases, the driver who hit you will be covered under their automobile insurance policy. Uninsured motorists are another issue we have discussed here. Auto insurance, mandatory in California, is designed to cover injuries and damages caused by the insured driver. This coverage extends to accidents involving bicycles as well. Your policy may also provide additional coverage or options such as medical payments coverage or personal injury protection (PIP).
Bicycle Insurance and Supplemental Coverage
While limited options exist for specific bicycle insurance policies, it is important to explore supplemental coverage options. Additional personal injury protection (PIP) or medical payments coverage can be added to your existing auto insurance policy to provide additional financial protection in case of a bicycle accident.
Here is a table outlining the primary differences between PIP and MedPay coverage:
| Aspect | PIP | MedPay |
| Definition | Personal Injury Protection (PIP) is a coverage that pays for medical expenses, lost wages, and other related costs regardless of fault. | Medical Payments (MedPay) coverage pays for medical expenses resulting from an accident, regardless of fault. |
| Coverage | PIP coverage extends to the policyholder, household members, and passengers involved in the accident. | MedPay coverage typically covers the policyholder and any passengers in their vehicle. |
| Limitations | PIP coverage may have a limit on the amount that can be claimed, varying by state and policy. | MedPay coverage typically has lower limits compared to PIP coverage. |
| No-Fault | PIP coverage is particularly relevant in no-fault states, providing coverage regardless of fault. | MedPay coverage is not contingent on fault and provides reimbursement for medical expenses. |
Filing a claim with PIP/MedPay coverage is a straightforward process. Here are the steps to follow:
- Report the Accident: Notify your insurance company about the accident immediately. Provide them with the necessary details, including the date, time, location, and parties involved.
- Document Your Medical Expenses: Keep thorough records of your medical treatment, including bills, receipts, and any necessary documentation. This evidence will be crucial when filing a claim.
- Submit the Claim: Fill out the claim form provided by your insurance company, providing all relevant details about the accident and your medical expenses. Attach the supporting documentation, including medical bills and receipts.
- Follow-up: Keep track of the progress of your claim. Contact your insurance company to ensure they have received all the necessary documents and to inquire about the status of your reimbursement.
Remember that both PIP and MedPay coverage have limitations, including varying coverage limits and exclusions. It is essential to review the terms and conditions of your policy and consult your insurance agent for clarity.
Free consultations are available with Our Bicycle Accident Lawyer in California.
At Dennis Law Group, finding the right bicycle accident lawyer is essential to your success.
You can find out whether you have a valid case at no cost to you. That’s because we offer free consultations. To request a free consultation with our team, call (888) 820-2889.