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Bicycles are required to follow the same rules of the road as cars. The vast majority of cyclists follow the rules. And for good reason: cyclists are much more vulnerable to injury than the 4,000 pound automobiles with whom they share the road. Nevertheless, as any cyclist will tell you, many drivers do not respect the right of cyclists to be on the road.
Bicyclists Get Wrongly Blamed
No matter how careful or defensive you are, accidents can happen. When they do, the driver of the car that hit you (and their insurance company) frequently will blame you. That’s why it is important to act quickly after an accident to locate and preserve all evidence that will help establish who was at fault.
PIP Covers Medical Bills
If you have an automobile policy but were injured riding your bike, you are eligible for Personal Injury Protection (PIP) coverage under your policy. PIP provides coverage for certain medical bills and lost wages, regardless of who was at fault.
There are time limits and caps on PIP benefits. In Oregon, PIP coverage is limited to $15,000 in necessary medical treatment for up to two years, unless you elected (and paid for) higher limits on your specific policy.
PIP coverage can usually be stacked, which means that when more than one policy is available the benefits are cumulative. This means that if the driver of the car that hit you is insured (PIP coverage is mandatory in Oregon), you can receive benefits from the driver’s insurance company if you exhaust all the benefits available under your own automobile policy.
Riding my bicycle to work this winter I was hit by truck and unable to work for nearly four weeks. I found Rob while looking for the best injury attorneys in downtown Portland. He has helped me out big time since taking on my case. I’m fortunate to have met him and would recommend him as an attorney to anyone that has been injured in an bike accident!
Uninsured and Underinsured Motorist Coverage
If you were injured in a collision with an uninsured or underinsured motorist, you can make a claim under your own automobile insurance policy. Coverage extends to bicyclists so long as the uninsured or underinsured motorist was at fault for the accident. Learn more about uninsured and underinsured motorist claims.
Rob Kline Understands Bicyclists
Attorney Rob Kline is an avid cyclist. Rob understands what it is like to negotiate traffic and deal with inattentive and aggressive drivers. Let us help you prove your case against the driver who is legally responsible for your injuries. Call today for a free, confidential case evaluation.