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Are bicycle accidents covered under insurance in NY?

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bicycle accidents

Individuals who want to stay active while traveling to important places in New York often choose bicycles as their mode of transportation. However, with this choice they are putting themselves at great risk of injuries. Unfortunately, due to negligence bicycle accidents happen quite often and result in catastrophic injuries. Individuals who have been injured in bicycle accidents often wonder if their damages are covered by insurance. In New York, an individual’s damages from a bicycle accident may be covered by insurance depending on the circumstances of the incident. If you have been injured in a bicycle accident, contact an experienced Westchester County Bicycle Accident Lawyer who can help you through this difficult situation.

Are bicycle accidents covered by insurance in NY?

Unfortunately, bicycle accidents are a common occurrence in New York. This type of accident can cause victims to sustain both physical and mental trauma. Bicycles do not have sufficient outside protection to keep them safe from injury. Unlike motor vehicles, bicycles are not equipped with airbags or seat belts. Victims are not only injured but are slapped with hefty medical expenses for their damages. Ultimately, whether or not a bicycle accident is covered under insurance depends on the circumstances of the accidents. Unfortunately, cyclists may collide with several parties such as motor vehicles, pedestrians, another cyclist, or a stationary object. In New York, different types of insurance policies may cover bicycle accidents depending on the circumstances of the accident.

Motor vehicle

In New York, if a cyclist has been hit and injured by a motor vehicle, the negligent driver’s insurance company will be responsible for paying the injured cyclists medical expenses. Victims are entitled to file a claim against a negligent party in order to recover financial compensation for their damages.

Pedestrians

In the unfortunate event a cyclist is injured due to a pedestrians negligence, their homeowners or renters insurance for personal liability will cover their damages. A pedestrian may be found negligent if they failed to adhere to the rules of the road, meaning they failed to adhere to traffic signals. If the accident was the cyclists fault, their own health insurance plan will cover their medical expenses.

Another cyclist

If two cyclists collide with each other, the at-fault individuals homeowner or renters insurance for personal liability will cover the victims damages. However, if a cyclist caused the accident, their health insurance will cover their medical expenses.

Stationary object

If a cyclist collides with a stationary object such as a parked car or a pole, the cyclists health insurance will cover their medical expenses. However, if the cyclist caused damaged t another person’s property, their homeowners or renters insurance will cover the damages.

If you have been injured in a bicycle accident, don’t hesitate to reach out to one of our skilled and determined team members. Our firm is committed to helping our clients recover reasonable compensation for their damages. With years of experience, we can help you hold negligent parties accountable for their actions. We are ready to fight on your behalf today.