How to Use Car Insurance in a Bike Accident Case

Bike Accident lawyers know that when a person riding a bicycle gets hurt, sometimes even car insurance can apply to cover bills or damages for the person who was hurt. If you pay for a car insurance policy and have what is called underinsured or uninsured motorist coverage you may be able to use that insurance if you are hurt while riding your bicycle. Example, you get hit by a person driving a car with no insurance. You use your uninsured motorist coverage to pay you for your damages. Example, you get hurt by a person driving a car. The person driving the car only has $50,000 in liability coverage. You have $1 million in underinsured on your car policy. You use your car policy to get additional money over the $50,000 up to your damage amount. A type of insurance called medical payments/medpay also provides coverage in many bicycle accident cases. Example, you are riding your bike and get hit by a person driving a car. You have health insurance but have an out of pocket limit of $5,000. The ER sends you a bill for $5,000. You send the bill to your car insurance company and have them pay bill using your medical payments coverage. If you have questions about how to use insurance that you purchased and paid for month and after month please contact bike accident attorney Clayton Griessmeyer.