Originally Posted by
Fett2oo5
I have 1 bike, it's an old (15yr old?) triathlon bike, Ultegra almost everything, brand new $400 Ultegra wheels... BEST of all it was a gift from my Sister-in-law. With it I was introduced to road/distance cycling and I LOVE IT. But if I get hit by a car and the bike gets damaged, I'm quite worried that I would not be able to afford the replacement parts, much less an entire bike.
What happens days after a vehicle hits a cyclist?
Please excuse my newB-ness, I'm 8 months old in the road cycling world, and leery of riding on traffic roads.
1. If a cyclist gets hit by a car, I assume you get their insurance information, correct?
2. Medical expenses get handled by their insurance right?
3. Is there supposed to be a police report to give the insurance companies to determine who is at fault?
4. How does the damage to the bike get estimated?
5. Do insurance companies typically know what they are doing when they assess the damage to a road bike?
Would anyone share their experience and/or advice please?
Thank you,
-nervous rider
The rules do not apply to cycling only. Always get the insurance information and drivers name and address. Yes, call the law. If you were at fault, the driver is not responsible. Your medical insurance will cover your expenses according to the policy in place. I don't carry insurance on my bicycle. If the driver is the cause, you need to file a claim along with your medical expenses after the fact.
I would follow the same process if I were walking.