What insurance should I use to cover a bicycle accident?

In North Carolina, the insurance used to cover a bicycle accident depends on several factors, including the type of accident and who was at fault. If the bicycle accident involved another vehicle, the driver’s liability insurance will typically cover any damages or injuries that occur. If the bicycle accident did not involve another vehicle, the bicyclist should have their own insurance policy to cover the damages. A bicyclist in North Carolina can purchase uninsured/underinsured motorist coverage. This type of coverage can be used to pay for any damages, such as medical bills, lost wages, pain and suffering, or vehicle damage, if the other driver involved in the accident is at fault and does not have insurance or does not have enough insurance. Bicycle riders can also purchase bicycle insurance to cover any damages or injuries that occur while riding. This type of insurance typically covers damage to your bike, bodily injury liability, medical expenses, theft or vandalism, and additional riders. If a bicyclist does not have any insurance to cover a bicycle accident, they may be able to file a claim with the North Carolina Uninsured Motorists Fund. The North Carolina Uninsured Motorists Fund pays damages to victims of accidents caused by uninsured motor vehicles. No matter what type of insurance coverage is chosen, it is important that bicycle riders in North Carolina are properly insured for any potential bicycle accident.

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What insurance should I use to cover a bicycle accident?

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