Injuries from Bicycle/Motor Vehicle Collisions
Although your bicycling collision is similar to a typical motor vehicle collision, it is also different in many respects. Bicycle collisions typically occur when you, as a cyclist, are highly stimulated both physically and mentally. For example, your heart rate and breathing will be elevated. Also, you are likely to be under the influence of a large amount of adrenaline. As a result, a cool mind is important to protect your health and your legal interests. You should always call 911 and report the accident and wait for a police officer. Unless you did not have contact with anything, you may have injuries of which you are unaware. Cyclists can hit their head and not realize they have a closed head injury. Therefore, it is almost always the best course to take an ambulance to an emergency room.
Once your health issues are addressed, the next issue is your bike and other property. Adjusting a damaged or totaled bicycle claim is significantly different than a motor vehicle claim. In addition, you may have insurance coverages on an auto policy that cover your injuries suffered while riding your bike. You may also have subrogation/reimbursement obligations that, if not properly addressed, can develop into a legal obligation later on.
Mr. Houston has been an avid cyclist most of his life and is a licensed bike racer (USA Cycling). This experience has helped Mr. Houston develop a niche practice in the area. Mr. Houston presents bicycle claims in such a way as to try to maximize both the property damage component and the bodily injury component. Mr. Houston gives free consultations on bicycle cases.