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

In the unfortunate situation of a bicycle accident, where the at-fault driver does not have enough insurance, the bicyclist can seek compensation from other sources. The state of New York has various statutes in place to protect injured parties. First, if the motorist is uninsured, the bicyclist can make an uninsured motorist claim against their own insurance. This would be in addition to the liability coverage that the motorist may have. Under this scenario, the bicyclist’s insurance will cover the damages as if the motorist had enough insurance. Alternatively, the bicyclist may pursue a personal injury claim against the motorist directly. This would include filing a lawsuit in court and asking the judge to award damages. A personal injury claim can cover costs and losses associated with the accident, such as medical bills, lost wages, pain and suffering, and even punitive damages in certain cases. Finally, if the motorist is a business, the bicyclist may be able to bring a claim against the business if it was related to the accident. In the event that the business is found legally responsible, they may be required to cover the cost of damages. Overall, while uninsured motorists can be a source of stress for injured bicyclists, these are not necessarily dead ends. By understanding the laws and legal options available, bicyclists in New York can take the necessary steps to ensure they receive the compensation they are entitled to.

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

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