Auto Insurance and Bike Accidents: Know Your Policy


As a driver, you understand the risks of getting behind the wheel every time you get in the car. The same rules apply if you are an avid biker. You are responsible for riding safely and obeying all the rules of the road. Of course, despite your best efforts to be safe, accidents can happen. If you are involved in an auto-bike accident, your auto insurance company may be able to cover the damage and help with your injuries.

Types of Accidents

Just as it’s not uncommon to see car collisions with other vehicles, you may encounter such incidents on the road if you’re riding a bike. Many accidents occur because drivers aren’t paying attention to people on bikes. One of the most common injuries that bikers suffer occurs when drivers drift from their lane into the bike lane, clipping the biker. Bikers can also be rear-ended by drivers while waiting at a light. Head-on collisions may also happen. Running red lights or stop signs, along with excessive speed, are frequent causes for auto-bike crashes as well.

Types of Injuries

Because bikers don’t have near the same level of protection as drivers, injuries in these accidents can unfortunately be severe or even fatal. Head injuries can occur, even when the biker is wearing a helmet. Other types of harm to be aware of include broken bones, internal injuries and lacerations.

The Effects

It won’t take a significant accident to harm a biker. If you’re hit while on your bike, you may face hospitalization and extensive treatment. You may require surgery to repair a fractured hip or pelvis. You may face a long recovery and rehabilitation. The massive trauma of these injuries could make it difficult or impossible for you to return to work or enjoy your daily activities.

Understand What Your Insurance Allows

If you’re a biking enthusiast, take a look at your auto insurance policy today and be prepared. Many plans will cover damage to your bike if you’re hit by a car. Personal injury protection can also cover a portion of your injuries and medical treatment. If you have questions about your policy regarding bike accidents, speak to your agent. You may have to add these provisions to  your policy.

You’re committed to staying safe on the road, both as a driver and a rider. Give yourself some added protection by including bicycle coverage in your auto insurance policy.

If you’ve been injured in an auto or bicycle accident, it is wise to speak with a bike accident attorney, such as from Barry P. Goldberg, about your claim.

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