Choosing to ride a bicycle as a hobby or as a means of transportation can improve your health while also reducing your carbon footprint. A good number of people in the United States today are choosing cycling as a hobby and also as a means of transportation.

If you regularly ride your bicycle, you will likely have an accident at some point in time. Note that you could be hit by a car, clash with another cyclist, bash into a fixed object, or crash into a pedestrian.

However, regardless of the circumstances, you may be wondering about the exact insurance that will see to your injuries in an accident. You may be left to pay for medical bills and property damage, and with some bicycles that can cost thousands of dollars, this alone can be a massive concern.

Bicyclists are expected to comply with most of the same rules as other vehicle operators. It simply entails that bicycle riders are expected to avoid making unsafe lane changes, yield to pedestrians, stay off the sidewalks, and obey all traffic signs and signals.

If you go against a traffic law, and that violation causes an accident, then you will be liable for injuries and other losses incurred by anyone else who was involved in the crash. To properly understand the insurance that covers bicycle accidents, here are some accident scenarios and the different types of insurance that may cover those scenarios.

Insurance Covers for Bicycle Accidents

  1. Accident Between Two Bicycles

If you are at fault in an accident with another cyclist, have it in mind that the personal liability coverage on your homeowners’ insurance or renters insurance policy may cater to the cost and expenses incurred by the other rider, including injuries and property damage. Your injuries could be covered by your health insurance.

The cost to repair or replace your bicycle may be covered by your home or renters insurance, as long as you inculcated a specific insurance rider to cover your bicycle on your policy. But if the other cyclist is at-fault in the bicycle accident, then your injuries and damage to your bicycle will have to be covered under the personal liability coverage on their homeowners or renters insurance policy.

  1. Accident Between A Bicycle And A Motor Vehicle

If you are at fault in a car accident, then note that the personal liability coverage on your homeowners or renter’s insurance policy may handle the driver’s property damage and injuries. Also note that your medical expenses may be addressed by their health insurance, and other misfortunes to the bicycle may be covered if you have a specific rider for the bicycle on your homeowners or renters insurance policy.

However, if the car driver is at fault in the accident, then their auto liability coverage will have to cater to all your medical expenses and the expenses that come with repairing or replacing the bicycle. If the driver is uninsured, you will need health insurance to handle all costs associated with your injuries.

  1. Accident Between A Bicycle And A Stationary Object

If, for instance, while riding you crash into a tree, pothole, parked car, curb, or any other object, have it in mind that your medical bills will have to be covered by your health insurance and you may be able to claim damage to your bicycle if you have it scheduled as a different item on your homeowners or renters insurance policy.

Also, note that the personal liability coverage on your homeowner’s or renters’ insurance may cover the expenses associated with the damages caused to someone else’s personal property in the accident.

  1. Accident Between A Bicycle And A Pedestrian

If you are at fault in a bicycle and a pedestrian accident, then note that the pedestrian’s injuries and property damage will have to be handled by the personal liability coverage of your homeowners or renters insurance policy. Have in mind that your injuries will also need to be covered by your health insurance.

Meanwhile, damages to your bicycle will have to be addressed by your home or renters insurance, depending on the policy or if a rider was added to cover the bicycle.

However, if the pedestrian was at fault, maybe because he or she wandered into the bicycle lane, note that the personal liability coverage in their homeowners or renters insurance will then be tasked with covering your injuries and all damages done to your bicycle. Also, note that the pedestrian’s medical expenses will have to be covered under their health insurance.