New Jersey Bike Accident Insurance Claim Attorneys
Bicycle Accidents and Insurance Issues
Riding a bicycle can be a fun, healthy, economical, and environmentally friendly way of commuting or just getting around town. Unfortunately, the drivers of cars, trucks, and motorcycles don't always afford bicyclists the space, respect, and right of way they deserve. If you're riding your bicycle and get hit by a car or other motor vehicle, you will likely suffer some serious injuries. You can get medical coverage for your injuries from your personal medical insurance provider, but that will only cover your medical bills. What about compensation for your injuries, property damage, and lost wages from missed work?
Getting Compensation for Your Losses
The truth is, most automobile insurance policies cover losses caused by accidents involving motor vehicles, bicycles, and pedestrians. This is not only true for the insurance policy of the car or truck that hits you, but in many cases it may also apply to the bicyclist's own auto insurance policy. Many people don't realize it, but getting compensation from your auto insurance company for injuries that you suffered while riding a bicycle is actually quite common.
To find out more about recovering medical bills, lost wages, and more from your auto insurance policy or the policy of the driver that hit you, you need to consult an experienced NJ bike accident insurance claim lawyer. The legal team at the Princeton, New Jersey law offices of Lependorf & Silverstein, P.C. is made up of avid bicycle enthusiasts who take the rights of riders very seriously. We can make sure you get the compensation you deserve so that you can return to your cycling adventures. Call Lependorf & Silverstein, P.C. today for a free consultation by dialing (609) 240-0040. Se Habla Espanol.
Important Facts about Insurance Coverage for New Jersey Bicycle Accident Injuries
The following are some important things that many bicyclists are not aware of:
- Most automobile liability insurance policies cover injuries to bicyclists and pedestrians caused by insured drivers. Whether the driver that hit you was fully at fault, or at least partially at fault, you should be able to seek compensation for your injuries under their automobile liability insurance coverage. You may also be able to recover medical expenses from your own automobile insurance policy if you have "Personal Injury Protection" (PIP) coverage. PIP insurance covers some medical expenses and lost wages.
- If it was a hit and run accident or the driver has little or no auto insurance coverage, you can still get compensation for your injuries if you have "Uninsured/Underinsured Motorist" (UM) coverage on your personal auto insurance policy - even if you were a pedestrian or riding a bike. Not all auto insurance policies have UM, but many do. If you don't have UM coverage, you may want to think about getting it added to your policy.
- If you call an automobile insurance company and they tell you you're not covered, don't take their word for it. It's not uncommon for insurance companies to tell people they aren't covered when they are. Call an experienced attorney familiar with the insurance laws of your state.
Compensation for your Injuries and Losses in a Bicycle vs. Motor Vehicle Accident
If you are riding a bike and are involved in an accident with a car or any other type of motor vehicle, you may be entitled to compensation for any of the following damages:
- Property damage
- Current medical bills
- Future medical bills related to your injuries, such as reconstructive surgeries, skin grafts, etc.
- Pain and suffering
- Costs of physical therapy and rehabilitation
- Permanent injury or disability
- Vehicle or household modifications to accommodate your injury, such as wheelchair ramps, etc.
- Scarring and disfigurement
- Partial or complete paralysis
- Loss of a limb
- Lost wages
- Loss of career or earning capacity
- Diminished earning capacity
- Hedonic damages for loss of joy of life
- Punitive damages
NJ Wrongful Death Compensation
In the tragic event that you have lost a loved one in a bicycle vs. motor vehicle accident, you and your family may be entitled to compensation for any of the following wrongful death damages:
- Funeral and burial expenses
- Medical bills
- Pain and suffering of the deceased before they died
- Loss of future income
- Loss of future benefits, such as medical benefits or retirement
- Loss of love, affection, companionship, guidance, marital consortium, etc.
- Loss of household services the deceased performed, such as childcare, bookkeeping, property and vehicle maintenance, etc.
If you or a family member is injured in a bicycle vs. motor vehicle accident, it is crucial that you contact an experienced personal injury attorney. We started Lependorf & Silverstein, P.C. in 2000 because we care about the rights of injured victims. Call our offices at (609) 240-0040 to schedule a free case evaluation. With NJ bike accident attorneys at Lependorf & Silverstein, P.C. you pay nothing up front, you only pay if we win your claim.
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