This content is for informational purposes only and is not intended to provide legal advice.
You might have more options than you think if an uninsured driver hurts you while riding your bike. Usually, the at-fault driver pays compensation for any injuries to the other vehicle, driver, pedestrians, and passengers involved. In most cases, the other traffic participant’s insurance company solves such matters.
However, what happens if the at-fault driver is uninsured? More and more drivers carry the so-called uninsured driver coverage, which pays off damages to your car and personal injuries if an uninsured motorist causes the accident. Nevertheless, hitting a cyclist is different, and you might think you’re out of luck if an uninsured driver hits you.
How Uninsured Motorist Coverage Works
Uninsured motorist coverage can protect motorists from shelling out cash for repairs and medical bills if the at-fault driver is uninsured or underinsured. Some states require this coverage, and motorists could opt-in for coverage in other states. In addition, uninsured motorist coverage usually costs very little to be added to an auto insurance policy.
When someone is hurt in an accident caused by another driver, the driver’s insurance is likely to pay for injuries and personal damages. However, a few drivers are on the road without insurance because their states don’t require insurance, or they’ve let their policies lapse.
Uninsured motorists include unauthorized drivers and drivers who...
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