Imagine you’re riding your cargo bike along a side street in your neighborhood. You’re almost home. But then a driver doesn’t check your lane before turning.
And they crash into you.
Just like that, your evening, bike, and gear are ruined. Not only that, but you also could have sustained personal injuries. So, what do you do now?
Start by talking to the driver about their auto owners insurance. Keep reading to learn more about how coverage affects accidents involving cargo bikes.
You’ll also learn about policies that can help you gain compensation for damage and injuries.
What Parts of Auto Owners Insurance Cover Cargo Bike Accidents?
Car insurance policy rules in South Florida specify that auto insurance only qualifies to cover accidents in which a vehicle driver hits or collides with a cyclist. For instances in which a cyclist runs into a fence or other structure, the coverage will not help.
If you’ve been in a qualified accident, check to make sure you have the specific policies that cover you and the cyclist – bodily injury, property damage, and collision coverage.
Bodily Injury Liability
Among all classes of motor insurance offering in South Florida, bodily injury liability is included. If you’ve been hit by a car, the driver probably has the specific policy, and it’s within your right to ask for proof.
The insurance covers any medical bills that you incur due to the reckless vehicle driver. If you end up in the hospital for an extended period of time to recover, you can also claim lost wages, physical training, and psychological treatments.
Property Damage Liability
Has your cargo bike been ruined due to a car hitting you? If so, you can claim property damage compensation. In these cases, the driver might have property damage liability coverage.
The insurance covers any damage that the driver inflicted upon your property i.e. your bicycle. You can claim the price of either purchasing a new cargo bike or having your current bicycle repaired.
In some cases, the accident between you on your cargo bike and a vehicle will be a collision. If that’s the case, and the driver is listed as being “at fault”, their auto insurance might cover your injuries and damages.
The collision policy will usually cover the costs for you to repair your bike. You’ll either receive a check in the mail or direct deposit depending on the different car insurance companies used.
Want Compensation From a Cycling Accident in South Florida?
If you’ve been in a bicycle accident due to negligent driving, the driver’s auto owners insurance can cover your medical, property, and other expenses. In most cases, the driver will give you their insurance information, you will file the paperwork, and then receive the compensation without issue.
Other things aren’t so smooth. If you need legal assistance as an injured cyclist, contact the team at Vivo Lawyer today. Our professional Florida team is ready to help you gain the injury and property compensation you deserve.