What Insurance Covers Bicycle Accidents in Georgia?

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Cycling is a common mode of transportation; bicyclists often share the roads with fast-moving cars in Georgia. As a result, accidents between cars and bicycles are a common occurrence in the area.

Unfortunately, bicycles don’t have the same structural protection as other vehicles. This puts the riders under a more serious threat when a collision occurs. These serious injuries mean more expensive medical bills, lost income, and diminished quality of life.

Depending on the situation, different types of insurance coverage may be available, and a traffic accident attorney in Atlanta can advise you on your options.

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Here is everything you need to know about insurance coverage for bicycle accidents in Georgia.

  1. Bicycle Insurance Coverage

Bicycle insurance provides cyclists with protection to cover the costs of repair or replacement. The insurance policies also cover injuries resulting from an accident. Furthermore, when a cyclist is involved in an accident, this coverage can cover the costs for any injury or property damage. This makes bicycle insurance incredibly beneficial and gives cyclists peace of mind to navigate the busy streets with heavy traffic.

  1. Personal Health Insurance

Personal health insurance coverage for the injured cyclist applies no matter how the accident happened. However, this coverage has a limitation in that it only pays for the medical costs of the injured cyclist. The other accident-related expenses will not be covered by personal health insurance. These expenses can be significant in case of a serious accident.

  1. At-Fault Driver’s Auto Liability Insurance

When attempting to recover losses related to an accident, the at-fault driver’s auto liability insurance is the first thing you should consider. The minimum amount of liability coverage in Georgia is $25,000 per person for bodily injuries and $25,000 for property damage. This coverage is rarely enough to cover serious injuries. If the coverage is not often, the injured bicyclist can look at other options to cover the accident-related losses.

  1. Homeowner’s or Renter’s Insurance

Homeowner’s or renter’s insurance can cover costs involving the accident of a policyholder. However, there is a limitation that the accident must occur on the insured property. This exception restricts the usefulness of these policies.

Negotiating with Insurance Companies

Many disputes can arise regarding the extent of coverage making it difficult for the victim to deal with insurance companies. An experienced Atlanta traffic accident attorney can negotiate with insurance adjusters on your behalf to protect your best interests.

Additionally, the complicated language of your insurance policies can add to your frustration after a severe accident. Your attorney can interpret the fine print of your insurance policy and help you understand policy exclusions, coverage, and the process of filing a claim.

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Contact Us for Help with Your Bicycle Accident Claim

Are you injured in a bicycle accident because of someone else’s fault and facing exorbitant expenses without enough insurance coverage to cover the losses? An experienced traffic accident attorney in Atlanta can evaluate your case and help you choose the best course of action.

At Karma Injury Law, we are committed to providing guidance and representation that helps you navigate the complexities in the aftermath of a bicycle accident.

Schedule a Free Consultation Today!

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You must file your claim within two years from the accident date.
Failure to meet this deadline may result in losing your right to recover damages.

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