Have You Been Injured In A Bicycle Accident? Know Your Rights.
It depends on how you were injured. Most cycling accidents unfortunately involve cyclist versus motor vehicle. In those situations, assuming the operator of the motor vehicle is at fault, you need to pursue recovery against the driver and his or her auto insurance company. You would be entitled to recover damages for your medical expenses and lost wages, if any, from the driver’s auto insurance and if your injuries and/or medical treatment qualify, also your pain and suffering. For a more in-depth discussion of your rights when your cycling accident involves a motor vehicle, you can download my free book here which will answer all your questions.
Two less common but very dangerous scenarios we have seen in our practice, are when a cyclist is injured by another cyclist or when a cyclist’s injuries involve a pedestrian. These types of crashes can result in serious injuries and sometimes death. Two recent cases we have handled illustrate these potentially dangerous situations. In one case, our client was walking across a street in downtown Boston when a bike messenger ran her over while she was in a crosswalk. The cyclist’s homeowner’s policy ended up settling with our client for her injuries. In a more recent case, our client was cycling with the flow of vehicular traffic as required, when another cyclist coming in the opposite direction, but on the wrong side of travel, struck our client causing very serious injuries. The cyclist travelling in the wrong direction had a homeowner’s policy who stepped in and provided coverage for their policy holder. The important thing to remember here is that in scenarios that DO NOT involve an automobile, the at fault person, whether it be a pedestrian or another cyclist, may be covered for their negligence through their homeowner’s policy or if they are renters, through their renter’s insurance. This fact is not common knowledge and it often prevents injured pedestrians and cyclists from pursuing their legal right to seek compensation when they are injured. Since the language found in homeowner’s and renter’s insurance policies vary, it is important to have an experience bicycle attorney review the facts of your case as soon as possible after your accident.
Most apartment complexes in the greater Boston area require residents to have renter’s insurance and almost all homeowner’s have homeowner’s insurance, especially if they have a mortgage on their home. So, the chances of there being coverage for injuries suffered in a cycling accident are usually quite high.
We Are Experienced Cyclist Accident Attorneys and Can Help You Today.
If a driver caused you injuries, Spada Law Group would like to help you. Attorney Len Spada and his team are dedicated to helping people injured by drivers recover financial compensation for their injuries. Call or text us at 617-889-5000 or fill out the form and we will get back to you immediately. We also offer a free consultation either by phone, in-person or Zoom.