Washington is a no-fault state which means the insurance company for the at-fault party is liable for the injured party’s damages. In some cases, a cyclist involved in an accident with a car gets compensated for losses and expenses through at-fault driver’s insurance policy or his own insurance policy. So the answer to the question, yes your car insurance covers bike accidents.
Although each situation is unique, a Seattle bike accident lawyer will help you determine the best course of action to get compensation.
Some of the critical questions you may have include whether the insurance of the driver will cover for damages or if your car insurance will cover you, let’s dive right down to it.
Does the insurance of the driver who hit me cover my expenses?
This is bold YES it does. In the state of Washington, the at-fault driver’s liability covers damages. Damages in this instant include medical bills, lost wages, and any other damages. If the drive has personal injury protection coverage (PIP), then it covers your injuries which caps at a range of $10,000 to $100,000 depending on the incident.
Sometimes the insurance companies may wrongfully deny you compensation or stall paying your claims. In such a case a bike accident lawyer will help you file a lawsuit to pursue compensation.
What if I am injured will my car insurance cover me?
In Washington the personal injury protection coverage is optional, but if you have, it covers the cost of medical bills and lost wages using the no-fault coverage. Alternatively, car insurance might cover you, car insurance has uninsured/underinsured (UM/UIM) coverage.
Using this coverage, you can easily claim for the cost of medical expenses, lost wages, and property damage. Consequently, it covers any gaps between the driver’s liability coverage and actual bills that will cover you if the driver is uninsured. Most policies cover up to $10,000 in coverage.
Gather the evidence with photos and witnesses this goes a long way when it comes to claims and getting compensation for damages.
Does the cyclist who contributed in the accident recover compensation?
Washington is a comparative negligence state meaning the liability of accidents is determined by the percentage of fault each party has in the accident. So the answer to this question is yes, they recover compensation according to the damages. According to Washington law, it only allows for damages to be recovered with less than 50 percent liabilities thus reducing total damages to reflect on the plaintiff’s portion.
In case the driver was under drug influence the Washington state crime victim compensation program sets aside funds to help offset medical expenses and lost wages.
In any other state the insurance compensation lies solely on one person but not in Washington. Ensure that you have the right insurance coverage and in case of an accident talk to a qualified bike accident lawyer. A good consultation will help you evaluate the situation with a clear mind and gather the right information on what insurance covers.