Bicycle Accident Insurance Claim

Our Tampa bike accident lawyers are strong legal advocates for injured cyclists

If you were injured in a bicycle accident in Florida, you may be shaken up and concerned about how to cover the costs of your medical treatment, bicycle repairs, and other related expenses. Many people are unsure whether their insurance will cover these costs or even which type of insurance applies.

With the help of an experienced Tampa bicycle accident lawyer, you can recover every dollar you’re entitled to in damages. Armando Personal Injury Law knows how the claims process works in Florida. We can guide you through every aspect of your claim and secure the maximum settlement you deserve.

Does car insurance cover bicycle accidents in Florida?

Car insurance can provide coverage in the event of a bicycle accident, particularly if a motor vehicle is involved. There are several types of car insurance coverage that may apply. These include:

Personal Injury Protection (PIP)

In Florida, PIP coverage is mandatory and applies to the policyholder, regardless of who is at fault. If you are struck by a car while riding your bike, your PIP coverage can help pay for medical expenses and lost wages up to the policy limits. This coverage is available to you even if you were not driving a car at the time of the bicycle accident.

Uninsured/Underinsured Motorist (UM/UIM) coverage

If the driver who hit you is uninsured or doesn’t have enough insurance to cover your damages, UM/UIM coverage can help make up the difference. This type of coverage is optional in Florida, but it can be a valuable resource in serious bicycle accidents where the driver is underinsured.

Liability coverage

If the driver of the vehicle that struck you is found to be at fault for causing your bike accident, their liability insurance may cover your medical expenses, lost wages, and other damages.

How can I file a bicycle accident insurance claim?

Filing a bicycle accident insurance claim can be complicated, especially when multiple insurance policies may be involved. Here are the steps you should take to ensure your claim is handled correctly:

Seek medical attention immediately

Your health and safety are the top priorities after a bicycle accident. Whether you have some minor bumps and bruises or you have no symptoms at all, you should get a thorough medical evaluation. Some injuries, such as concussions and internal injuries, can take time to produce symptoms and can be serious if left untreated.

Getting a medical evaluation immediately after a bike accident ensures you receive timely treatment. A diagnosis establishes a link between your bike accident and resulting injuries.

Document the bike accident scene

Gather as much evidence as possible from the crash scene. This includes taking photos of the scene, your bicycle, any vehicles involved, and any visible injuries. If there were witnesses, get their contact information and statements of what they saw.

Also, take note of nearby surveillance cameras. These can be found on traffic lights, businesses, and residential homes.

Notify your insurance company

If you have car insurance, report your bike accident. Provide them with basic details such as the date, time, location, and nature of the crash. Don’t discuss fault or blame, as this can potentially hurt your claim. Let the evidence speak for itself.

Don’t give a recorded statement to the driver’s insurance company

Anything you say to an insurance adjuster can be used against you. Let our Tampa bicycle accident attorneys handle communications with the insurance company to avoid inadvertently harming your claim.

Get legal help

Graphic showing a bicyclists riding across the street with text that reads "We co-represented a bicyclist who sustained a traumatic brain injury, resulting in a multi-million dollar settlement. Insurance companies often attempt to minimize payouts or deny claims altogether. An experienced Tampa bicycle accident attorney at Armando Personal Injury Law can offer legal advice, protect your rights, and handle every aspect of your claim from start to finish.

Do not accept the first settlement offer

Insurance companies often start with a low settlement offer. Before accepting any offer, let our attorneys evaluate whether the amount is fair and adequate to cover your expenses. If not, we can negotiate for a higher amount.

Keep detailed records

Maintain records of all medical treatments, repairs, and other expenses related to your bicycle accident. Our Tampa attorneys can use these records to determine the full extent of your damages and place an accurate value on your claim.

Get a skilled Tampa bike accident lawyer on your side

If you or a loved one has been injured in a bicycle accident in Tampa, you need an experienced bike accident attorney who is dedicated to holding negligent drivers accountable and securing the compensation you deserve.

Don’t let the insurance companies dictate the outcome of your case. Let our law firm fight for you. We’ll handle every aspect of your case, from gathering evidence to negotiating with insurance companies so that you can focus on your recovery.

With a track record of success and a commitment to treating every client like family, Armando Edmiston is the advocate you need on your side. Contact us today for a free consultation and take the first step toward getting the justice you deserve.