Advertise on Bikeforums.net



User Tag List

Results 1 to 9 of 9
  1. #1
    Senior Member
    Join Date
    Jun 2004
    Posts
    92
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)

    hit by a car what should I do

    So I was hit by a car the other day (entirely their fault), I'm mostly ok, a few scrapes a few bruises, nothing broken and no concussion. However, having little experience with insurance I'm not quite sure what I should do. It turns out that the driver that hit me was not covered on the insurance policy of the car. I've had to get some x-rays and other medical checks, as well as my bike needing some work and me needing a new helmet. So I've got some expenses from this and I'd like to know what my plan of action should be.

    On a somewhat related note, what can I do to make my muscles hurt less, besides painkillers (which I am taking, in the dose perscribed, 3x what the bottle says). I'd go for an easy spin but my bike is missing (at the shop).

  2. #2
    Senior Member Hambone's Avatar
    Join Date
    May 2006
    Location
    Bootiful Brooklyn, NY
    My Bikes
    GT Edge for the road/Specialized Hopper (well the frame and the bb, everything else is new) for the dirt
    Posts
    2,024
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by hwttdz
    So I was hit by a car the other day (entirely their fault), I'm mostly ok, a few scrapes a few bruises, nothing broken and no concussion. However, having little experience with insurance I'm not quite sure what I should do. It turns out that the driver that hit me was not covered on the insurance policy of the car. I've had to get some x-rays and other medical checks, as well as my bike needing some work and me needing a new helmet. So I've got some expenses from this and I'd like to know what my plan of action should be.

    On a somewhat related note, what can I do to make my muscles hurt less, besides painkillers (which I am taking, in the dose perscribed, 3x what the bottle says). I'd go for an easy spin but my bike is missing (at the shop).
    I think a lot has to do with what state you are in. But first, don't sign anything from their insurance company unless an attorney has read it.

    Are you seeking anything other than medical and your bike costs?
    Inside me is a thin man dying to get out.
    (He is kept comfortable by some pie, a half case of Bud, two cheese-dogs and a big screen Sony.)

  3. #3
    Senior Member
    Join Date
    Jun 2004
    Posts
    92
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    I don't think I'm seeking any more than medical and bike costs (helmet included). I'm in a decent state, considering the accident, I have not signed anything. But about the insurance company, I don't know if there even is one on the other end because the driver is not covered on the policy.

  4. #4
    Senior Member Hambone's Avatar
    Join Date
    May 2006
    Location
    Bootiful Brooklyn, NY
    My Bikes
    GT Edge for the road/Specialized Hopper (well the frame and the bb, everything else is new) for the dirt
    Posts
    2,024
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by hwttdz
    I don't think I'm seeking any more than medical and bike costs (helmet included). I'm in a decent state, considering the accident, I have not signed anything. But about the insurance company, I don't know if there even is one on the other end because the driver is not covered on the policy.
    which State?

    Alabama, Alaska...

    In New York, my understanding is the coverage is on the car. Driver doesn't matter. (Unless the driver is unlicensed maybe.)
    Inside me is a thin man dying to get out.
    (He is kept comfortable by some pie, a half case of Bud, two cheese-dogs and a big screen Sony.)

  5. #5
    The quieter you become... Falkon's Avatar
    Join Date
    Jan 2006
    Location
    Huntsville, AL
    My Bikes
    1973 Raleigh Superbe, 2006 Trek 4300 with no original parts, 1984 Ciocc, Custom Keith Anderson
    Posts
    1,283
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    You can pretty much sue them for the cost, have your insurance pay out and they'll probably sue the people, but your rates may go up, or do whatever your lawyer recomends. at least they didn't run away.
    Quote Originally Posted by TechKnowGN
    San Jose has to be the most boring place I've ever been. And I live in Ohio.

  6. #6
    Senior Member
    Join Date
    Sep 2006
    Posts
    353
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    yeah, most places have some sort of clause for a driver not on their policy. Now, the person owning the car may get slammed with higher premiums for letting the person run around in their vehicle, but they will likely learn their lesson about who they lend the car to. Ofcourse, the person probably told them the bike came out of nowhere.

  7. #7
    Senior Member
    Join Date
    Aug 2006
    Location
    Ottawa, Canada
    My Bikes
    Raleigh
    Posts
    111
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by hwttdz
    So I was hit by a car the other day (entirely their fault), I'm mostly ok, a few scrapes a few bruises, nothing broken and no concussion. However, having little experience with insurance I'm not quite sure what I should do. It turns out that the driver that hit me was not covered on the insurance policy of the car. I've had to get some x-rays and other medical checks, as well as my bike needing some work and me needing a new helmet. So I've got some expenses from this and I'd like to know what my plan of action should be.
    Insurance is a very complicate thing and legislation varies from jurisdiction to jurisdiction. Therefore I recommend cyclists in this forum to review their insurance coverage to protect yourself:

    1) Any coverage from your own employer, such as medical, sick leave or accident while you are off work? If you are self employed, try to join a group medical insuranace policy such as the AAA/CAA.

    2) Do you carry a life insurance policy, for your loved ones, in case the worst happens? Cyclists do get killed on the road.

    3) Do you have an automobile policy, and if so, does it cover traffic accidents on your bike? (NOTE: in most Canadian provinces, it does). In some Canadian provinces, it is administered by the Provincial Government.

    4) Do you have a home policy, and if so, does it cover liabilty or theft of your bike?

    5) Finally, If you are self employed, ask you accountant to see if such insurance expenses are tax deductible. (NOTE: In Canada, #1 and #3 is tax deductible, #2 is not, and #4 is partially deductible to your business. If you are an employee, then #1 is partially deductible, the rest are not).

    A good insurance company is sometimes better than a good lawyer in a traffic accident.

  8. #8
    Senior Member
    Join Date
    Sep 2006
    Location
    Indiana
    Posts
    204
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    File a claim with the vehicle owner's policy. If they decline coverage, require that they send you a letter indicating the reason why there's no coverage. Find out if the driver has their own policy for a different vehicle. It should cover them while driving someone else's car. If both fail to provide coverage, present the letter from the vehicle owner's carrier to your own auto insurance. It may vary by state, but your Uninsured Motorist Coverage on your policy should be activated for this claim to cover your injuries. Your bike and personal property should be covered under your homeowners policy under "damage by vehicle" - usually a coverage specifically listed in the policy section for personal property. Granted, that part does have a deductible. Your own medical coverage can also be used but because it was part of a vehicle accident, they may require you to exhaust your auto insurance coverage, first. I was in an accident this summer with injuries and have investigated each of these items as part of it.

  9. #9
    Banned Bikepacker67's Avatar
    Join Date
    Jul 2005
    Location
    Ogopogo's shoreline
    My Bikes
    LHT, Kona Smoke
    Posts
    4,063
    Mentioned
    3 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by hwttdz
    I don't think I'm seeking any more than medical and bike costs (helmet included).
    Why? Your time isn't important?

    Here you are, bikeless, and laid-up on some opiate derivative, and you're OK with this?

    You know, the average human lifespan is only 27,000 days...

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •