Injured in a Cycling Accident? Who pays for my damages?
As personal injury attorneys in South Florida, we have recently seen an uptick in the number of cyclists injured by automobiles (especially in suburban areas).
Injuries to cyclists can range from soft-tissue injuries (such as a strained back or neck) to paralysis or death. Undoubtedly, the high number of teenage and elderly drivers and the proliferation of drivers’ texting and driving have negatively impacted the cycling community – drivers are simply not paying attention or properly sharing the road with cyclists. Worse yet, many accidents involving cyclists are “hit and run” accidents or accidents involving under-insured drivers. An experienced personal injury attorney familiar with cycling cases can determine which part(ies) may be liable for your injuries and help you recover damages to pay for medical bills, lost wages and pain and suffering.
Who will pay for my medical bills, lost wages, and pain and suffering?
Cyclists involved in accidents who do not have health insurance commonly wait to receive medical treatment as they are unaware of their automobile insurance benefits. This is a mistake and could hinder the cyclist’s ability to collect future damages. In Florida, pedestrians (including cyclists) are entitled to Personal Injury Protection (PIP) benefits. PIP benefits can cover both medical bills and lost wages up to $10,000.00. If at the time of the accident a cyclist: (1) owned a vehicle (with PIP coverage); (2) did not own a vehicle but resided with a legal resident who owned a vehicle (with PIP coverage); or (3) did not own a vehicle but the at-fault driver had available PIP coverage, the cyclist would be entitled to realize these PIP benefits. PIP benefits can be most beneficial to cyclists that require immediate medical assistance but do not have health insurance as the PIP benefits would cover their medical treatment.
An experienced personal injury attorney will seek your past and future medical bills, past and future lost wages and past and future pain and suffering from the at-fault’s auto insurance (bodily injury coverage) and/or your auto insurance (uninsured motorist coverage).
In the worst cases involving death, the estate of the deceased may be entitled to recover damages under the Florida Wrongful Death Statute.
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Who will pay for my medical bills, lost wages, and pain and suffering if the at-fault driver is uninsured, under-insured, or is unknown?
Assuming the at-fault driver is uninsured, under-insured, or is unknown (i.e. hit and run driver), the injured cyclist can seek to recover damages through their own insurance company through their uninsured motorist’s coverage or “UM” coverage. An individual can purchase UM coverage for an amount equal to their automobile insurance’s Bodily Injury Limits. We encourage all of our friends and family to “max out” their UM coverage so they are adequately covered in the event they are involved in an accident where the at-fault driver does not have adequate insurance. Please note that it is estimated that 25% of drivers in South Florida do not have any automobile insurance.
Why do I need a personal injury lawyer, I have health insurance?
A common misconception between cyclists is that because they have health insurance there is no reason to consult with a personal injury attorney. Health insurance will cover an injured cyclists medical bills; health insurance will not cover an injured cyclists lost wages or pain and suffering. Also, you are required to pay back any monies paid out by your health insurance for medical treatment (this is called subrogation). Pain and suffering is oftentimes the highest dollar value in a personal injury case. An experienced personal injury lawyer may be able to secure a settlement offer (or jury verdict) for a client of anywhere between 1x to 100x (or more) in pain and suffering that the cyclists medical bills alone.
Not all attorneys are created equally
Cyclist cases can be difficult to a novice personal injury attorney. These cases can be hotly contested as to causation / liability (i.e. who is the more at fault party – the cyclist or the driver). As such, we oftentimes send out an investigator to the scene to interview witnesses, take pictures (i.e. skid marks), and pull surveillance videos. We also have the ability to subpoena cell phone records of the driver to see if he/she was texting or on the phone and retain experts such as an accident reconstructionist to rebut the driver’s claims that he/she was not at fault. The ability of a personal injury lawyer to spot these (and other) issues could make or break a cyclists’ case.
Take advantage of the FREE consultation provided by personal injury lawyers. Hiring the right personal injury lawyer who has experience representing injured cyclists could be one of the most important decisions you may ever make.