Sustaining injuries in a bike accident can be stressful, especially when you try to get compensation for your losses. Thankfully, securing compensation may be possible if your accident resulted from another party’s negligence or carelessness. In this case, you can seek compensation through the at-fault party’s insurance carrier. But, the process is not a walk in the park since insurance companies will always try to devalue claims or even deny them outright. This is the reason you need a personal injury lawyer in Rockford to represent you.
Will Your Insurance Cover Your Accident-Related Expenses?
Once you are involved in a bicycle accident because of another driver’s fault, you will want to report the accident to your insurance company right away. Whether or not the carrier will pay your accident-related expenses depends on the facts and circumstances of your accident. The company may give coverage for your expenses if you were hit by an uninsured driver or a victim of a hit-and-and run accident.
In addition, if your plan includes any kind of personal injury protection or PIP insurance coverage, you may also recover compensation for your medical bills. But, your insurance may not pay if you don’t have PIP or uninsured motorist coverage.
Seeking Compensation through the At-Fault Party’s Insurer
If you file an injury claim against the insurance provider of the driver who caused your accident, you must be ready for a battle. The insurance company will require solid proof that shows its policyholder caused the accident. Immediately after your bike accident, make you get important information such as the name of the other driver and their contact information, their license number, insurance company and policy number, as well as their car’s personal make, model, and year, and license plate number and identification number.
How to File a Claim
For your personal injury claim to flow smoothly, here are steps you must take:
- Go to all medical appointments. Until your doctor says you have reached maximum medical improvement, you should go to all your doctor’s appointments. Failure to do so will only give the insurance company a reason to deny your claim
- Keel records of your expenses. These records include medical bills, bicycle repair bills, receipts of expenses you pay out of pocket, and documentation that shows any income you lost because of your accident-related injury.
- Consult a lawyer. An experienced personal injury attorney can handle all aspects of your claim. They will investigate your case to determine liability, help you calculate your expenses, and negotiate a fair settlement with the insurance company.