If you are in a “hit and run” bicycle accident, you may still have a claim. In most states, if you own an automobile or live with a close family member who does, you will be covered. This coverage falls under the UM “uninsured coverage” provisions. As a general rule, the language of the insurance policy governs exactly what must be shown to use this coverage. Usually, you will have to show that there was contact OR there is a reliable neutral witness that can testify as to what happened. Of course, the exact requirements vary in each state and each insurance policy.
It is very important to give your insurer notice as soon as possible, letting them know you were involved in an accident and would like to make a claim. Many insurance policies have strict deadlines for notification of a possible claim, so Don’t Delay. This deadline could be as brief as 30 days. Your claim will allow you compensation to recover for, among other things, lost wages, payment of medical bills, pain and suffering and property damage. However, the following states don’t allow uninsured motorist property damage to be used in hit-and-run collisions:
There are many technical aspects to a UM claim, and it usually makes sense to speak with an experienced bicycle accident lawyer if you are involved in a crash.
Ride. Be Safe. Have Fun.,
Andrew Kass – Bicycle Enthusiast
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