Riding your bicycle is a wonderful activity for destressing. That all changes if you are hit by a car. Bicycle riding is a leisurely activity and when it is disturbed by something as traumatic as a car accident, you are entitled to seek recompense. However, how are you covered when you get into an accident? Does anything stop you from being able to file a lawsuit against the responsible party? If you have these questions and others in mind, contact Orlando accident lawyer, Payer Law Group, in Orlando for more information.
What is covered and when
When you go biking, the last thing you expect is to be hit by a car. While we often think of pedestrian accidents, it is rare for any of us to consider what would happen if you were hit while biking. Are you considered a pedestrian? What covers you? Are you even covered?
You are. In the state of Florida, if you are hit by a car while riding a bicycle, you are covered by the driver’s PIP (Personal Injury Protection) insurance. This ensures that you will have some kind of cushion to cover your medical expenses. Thus, if you do not have a car of your own but you are out riding your bicycle and you are hit by a car, the car who hits you will cover your expenses through their PIP.
However, this changes if you have your own vehicle. Since all vehicles in Florida are required to have some kind of personal injury protection, you would likely have your own policy if you have your own vehicle. This means that you are not entitled to PIP insurance from the other vehicle because your own PIP would cover your expenses.
This is, again, different in certain circumstances. Say that your PIP covers your medical expenses up to $10,000 but you actually incur $20,000 in medical bills from an accident where you were riding your bicycle and you were hit by a car. In this case, you could file a lawsuit against the driver to cover the remainder of your medical expenses. Because you have exceeded the amount that your PIP covers, you are able to demand more of the driver.
Do you need a bicycle accident attorney?
If your medical expenses exceed the amount that is covered by your PIP or the PIP of the driver who hit you is not enough to cover all of your damages, then you are encouraged to file a lawsuit against the driver. You should not have to pay out-of-pocket for your own medical bills where another person is at fault. By having a bicycle accident attorney at your side, you can ensure that you get the rest of the funds that you need to cover your medical expenses.
In Orlando, contact an Orlando accident lawyer for more information on how to begin the process of legal proceedings against the responsible party who caused your bicycle accident.
Don’t suffer through a bicycle accident alone and contact a bicycle accident attorney to help you. If you have questions about how to proceed after a bicycle accident, contact Payer Law Group, an Orlando accident lawyer.