What if the driver at fault in a bicycle accident does not have enough insurance?

If the driver at fault in a bicycle accident does not have enough insurance to cover the damages, the injured bicyclist should look at other sources of compensation. In Iowa, the bicyclist may be able to file a claim with the driver’s insurance company, even if the amount of coverage is not enough to cover all of the damages. The driver may also have a personal umbrella policy or a supplemental policy that can provide additional coverage. If the driver does not have any additional insurance coverage, the bicyclist may be able to file a lawsuit against the driver. In this situation, the bicyclist will be responsible for the costs of filing suit, as well as any legal fees associated with the case. If the injured bicyclist is successful in the lawsuit, the driver may be ordered to pay damages to cover medical bills, lost wages, and other costs related to the accident. In some cases, the driver may not have enough money or assets to cover the damages sought by the injured bicyclist. In these situations, the bicyclist may be able to look to the state’s motorists’ safety fund. This fund provides compensation to injured motorists if the at-fault driver does not have the resources to pay for damages. Most of these funds are managed by the state’s attorney general’s office, so it is important to contact this office immediately following the accident.

Related FAQs

What if the driver who caused my bicycle accident was under the legal drinking age?
What should I do if I am injured in a bicycle accident?
What if the at-fault driver does not have insurance?
How can I prove that the other party is at fault in a bicycle accident?
What if I am injured in a bicycle accident that was caused by a defective product?
What if a bicyclist collides with a motor vehicle while trying to avoid a pothole?
What evidence should I collect to support my bicycle accident claim?
What if the driver who caused my bicycle accident was a government employee?
What if I am injured while riding a bicycle on a public road?
What if the driver in a bicycle accident appears to be uninsured or underinsured?

What if the driver at fault in a bicycle accident does not have enough insurance?

Related FAQs

Related Blog Posts