Bicycle Accident Victims & Uninsured Motorist

What to do When the Motorist Has no Insurance?

If you are riding a bicycle and you have become involved in an accident where another motorist has no insurance coverage, it can be good knowledge to know exactly what you can do in order to recoup some type of damages.

Opening up a personal injury case against a defendant that has very little assets could be a fruitless effort. If you have medical bills that are stacking up and you are finding it difficult to pay off some of your expenses regarding the accident, you may need to draw assistance from a different source. Rather than facing months of medical bills due to a serious and long-term injury, it is possible to work with your insurance company to handle some of the costs associated with your injuries and hospital expenses.

You may be surprised to know the number of people across roadways in the United States that do not carry sufficient insurance. Drivers and vehicle owners only need to carry a minimum of $10,000 personal injury protection in the state of Florida. If the driver happens to run away from an accident or you’re involved in a hit-and-run situation, it’s likely that you’ll never be able to seek any type of monetary compensation for the accident. Tracking down a motorist that has been involved in one of these cases can take years and you will be stuck holding all of the medical bills.

Underinsured motorist coverage could be an essential piece of insurance if you regularly ride a bicycle. Uninsured motorist coverage will protect you in the event that you are involved in an accident with somebody that carries no insurance or very little insurance coverage. Uninsured motorist coverage will kick in to cover any extra bills that are associated with your injuries. Rather than having access to $10,000 in personal injury protection, you could cover yourself with underinsured motorist coverage.

Any accident that involves a cyclist and a vehicle could lead to life altering injuries and years of physical therapy in order to handle the recovery process. Adding this level of coverage to your insurance could prepare you for the worst-case scenario. If you regularly ride a bike, you should add uninsured motorist coverage to your policy to make sure that you may not have to pay out-of-pocket for medical expenses for injuries that you sustained while on a bike.

Unfortunately, UM insurance is not a required under Florida law. This type of coverage is additional, but for a minimal cost, it is extremely valuable when it comes to protecting yourself. You will need to inform your agent that you wish to purchase uninsured motorist coverage. Adding this to your policy before it’s too late can help to make sure that you can be covered in the worst case scenario.

If you’ve been injured in any type of bicycle accident and you’ve sustained injuries, contact an attorney immediately. A legal team will be able to determine the best course of action for your case and decide how you can go about seeking compensation for your injuries. Our legal team has helped to represent many individuals that have been involved in accidents where parties did not carry adequate insurance. We also represented people in hit and run accidents. If you have been in an accident, contact our insurance attorneys today to learn more!

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