When a driver is at fault for an accident involving a car and a bicycle, but doesn’t have any insurance, the injured bicyclist may still be able to recover compensation for his or her injuries by filing a claim against his or her own auto insurance company.
Bike accidents with un-insured drivers (or hit and run) in Chicago, Illinois
Known as an uninsured motorist case, a claim is made against the injured bicyclist’s auto insurance company for injuries incurred by an accident involving an uninsured driver. Depending on the type of coverage afforded under the bicyclist’s policy, he or she is entitled to recover the same type of compensation from his or her insurance company as would be claimed if the at-fault driver was fully insured.
Bike accident injuries without sufficient insurance coverage to fulling compensate the injured person
In other scenarios when the cost of an injured bicyclist’s injuries exceeds the coverage provided by the at-fault driver, an under-insured claim may be asserted against the bicyclist’s automobile insurance company. Under-insured motorist claims are usually filed by bicyclists involved in auto accidents in which they have incurred significant injuries and accompanying medical expenses and the drivers have limited insurance coverage.
Chicago bike accident injury claims with auto insurance companies
The language of each insurance policy can vary significantly and should be reviewed by a bike injury lawyer prior to settling a claim. Most under-insured motorist language allows an injured cyclist the ability to recover damages for his or her injuries in the amount of the policy payout less the amount of that the at-fault driver’s insurance pays. Hypothetically, if a severely injured bicyclist has an under-insured motorist policy of $500,000 and the at-fault driver has a $20,000 policy (Illinois minimum coverage) then the individual could recover $480,000 (assuming they could substantiate the damages).
If you are bicyclist who was injured in a car accident where the driver did not maintain liability insurance, our team of Chicago Bike Injury Lawyers can advise you with respect to pursuing an uninsured motorist case with your car insurance company or even the auto insurance carrier from a member of your household. Contact us to see how we can help you today.
Additional Resources Regarding Bike Dooring In Illinois:
Safety tip: If you are a bicyclist and don’t own a car, you can still purchase a non-owners insurance policy which covers you for all types of collisions, including hit-and-run drivers, uninsured drivers and drivers with inadequate coverage. Given the limited application, the non-owner vehicle coverage is surprisingly reasonable.