Riding a bike in Atlanta can be extremely dangerous and accidents are far too common. While many drivers will do the right thing, pull over, and offer assistance, some drivers just keep driving after striking a bicyclist. A hit and run bicycle accident often leaves an injured cyclist with severe injuries and no way to pay for them. Fortunately, you might have some options.
Is there any type of insurance to help me after a hit and run bicycle accident?
Perhaps. If officers are unable to identify the hit and run driver, you cannot seek compensation from his/her insurance company. However, the road does not stop there. Any of the following might give you the compensation you need to cover medical bills and lost wages after a hit and run bicycle accident:
Your Personal Injury Protection (PIP) Coverage
If you have personal injury protection (PIP) coverage on your automobile insurance policy, it may be able to help you receive compensation for your medical bills and some other expenses, like lost wages.
PIP coverage is not a requirement in Georgia. You will need to read your policy to see if you purchased PIP coverage. If you do have PIP coverage, read the terms and limitations to see what exactly it covers.
If you do not have auto insurance, you might be able to use a relative’s PIP coverage.
Your Medical Payments Coverage
If you purchased medical payments (MedPay) coverage, your policy will pay up to the limits you purchased (often $1,000, $5,000, $10,000, or $20,000).
Your Uninsured Motorist (UM) Coverage
You can also recover compensation through your uninsured motorist (UM) coverage. Even though insurers sell UM coverage to help drivers injured in accidents with uninsured drivers. However, because there is no driver, the insurer will simply treat this as a situation with an uninsured driver.
UM coverage is also optional in Georgia. Check your policy to see if you have it.
Note: Make sure you get a copy of the police report; your insurer will likely require it for any type of policy.
Your Health Insurance
Do not despair if your own automobile insurance policy coverage does not help you with your medical bills and other costs after being involved in a hit and run bicycle accident. Your health insurance might provide some assistance.
However, in some cases, your health insurance will specifically exclude car accident injuries. Check your policy before you depend on your health insurance to cover your medical bills.
How can I get help recovering compensation?
Interpreting insurance policies can be difficult and complex, as insurers intentionally write policies in highly technical jargon. They do this to confuse policyholders and to stop them from realizing what exactly their policy entitles them to.
To make sure you know what your policy covers, you need to speak with an Atlanta bicycle accident lawyer who will evaluate your insurance policies and explain your coverage and possibilities for compensation.
Call the Law Office of Jason R. Schultz, P.C. today at 404-474-0804 to schedule your free consultation.