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Does my insurance cover bicycle accidents?

Cyclists in West Georgia need to prepare for the worst-case scenario. Though a relatively safe and healthy activity, bicycling is not without risks. In 2019 there were 805 recorded bicycle crashes statewide, according to a study conducted by the Governor’s Office of Highway Safety.

Everyone should practice safe cycling habits. However, even the most prepared individual cannot prevent every accident. That is why insurance is vital to maintaining your health and finances. Keep reading to learn more about insurance that covers bicycle accidents and if you require specific coverage for cyclists.

Who pays for the damages?

If a car strikes you on your bicycle, generally, their insurance pays for your medical expenses if they are at fault. However, Georgia law only requires a minimum of $25,000 for bodily injury liability insurance. Therefore, it is good to purchase uninsured (UM) and underinsured (UIM) motorist coverage. Contact your insurance company if you are unsure if you already have this coverage. Another reason to have UM and UIM is in the case of a driver fleeing the scene.

Do I need bicycle insurance?

For dedicated cyclists with expensive bikes, you might want to consider specialty cycling insurance. If you already cover your bicycle under homeowner’s insurance, a specialist policy might be overkill. However, if you have an expensive bike that costs multiple thousands of dollars, cycling insurance is a good idea.

Most cycling accidents receive coverage under health and motorist insurance. However, if you ride your bike every day and spend significant money on it, look into a dedicated insurance company for your bicycle.