WHY DOES YOUR AUTO INSURANCE PAY MEDICAL BILLS FOR BIKE HIT BY CAR ACCIDENT?

If you are hit by a car while riding your bicycle, your auto insurance will pay your medical bills. In fact, even if the car is completely at fault, your auto insurance must pay. Why is that? Because, even though you were on your bike, it is still a car accident. Minnesota is a No-Fault state. That means with every car accident in Minnesota, the injured person’s own auto insurance pays their medical bills – even if the injured person was on a bike that was hit by a car. It seems a bit weird, but that’s the way it is.

What if you don’t have auto insurance? For example, what if a child on a bike is hit by a car? In that case, their parents’ auto insurance will pay the medical bills. However, if it is an adult who doesn’t have auto insurance and doesn’t live with a relative who has auto insurance, then the car’s auto insurance will pay.

In some cases, the car will hit the bike rider and then leave the scene. Hopefully they don’t get away with it. However, if the car really does flee and is not caught, No-Fault insurance can come from the state of Minnesota.

ADDITIONAL INSURANCE FOR BICYCLE ACCIDENT

Our lawyers handle bicycle accident cases throughout Minnesota. We have seen many different situations and levels of injury. Payment of medical bills is a starting point in our cases, but it is just the beginning. In many cases, the injured bike rider has to miss work or school because of the injury. Sometimes, they are laid up for months as they recover.