As warmer weather draws more cyclists to the roads, the risk of accidents involving motor vehicles increases—particularly when drivers are distracted, reckless, or uninsured. At Jones Kahan Law, we understand the unique challenges bicyclists face after an accident, and we’re here to help you navigate your legal rights and insurance options—especially when the driver at fault lacks adequate insurance coverage.
Bicycle accidents can happen in a variety of ways, often involving negligent drivers who:
When a vehicle strikes a cyclist, the injuries can be severe and long-lasting. Medical costs, lost wages, and pain and suffering can take a significant toll—especially if the driver has no insurance or inadequate coverage.
If you’ve been injured in a bicycle accident, it’s important to take the following steps to protect your health and your rights:
Many cyclists are surprised to learn that auto insurance coverage may apply to them—even if they weren’t in a car at the time of the accident. In both Ohio and Kentucky, if you have auto insurance, your Uninsured/Underinsured Motorist Coverage (UM/UIM) may protect you if you’re hit while riding your bike.
If the at-fault driver has no insurance, UM coverage can help pay for:
If the driver has insurance, but it’s not enough to cover your damages, UIM coverage may bridge the gap so you’re not left paying out-of-pocket.
Depending on your policy, PIP coverage may also be available to cover your medical bills and lost income—regardless of fault.
We strongly recommend reviewing your auto insurance policy to ensure you have sufficient UM/UIM coverage. This type of protection is affordable and can make a significant difference if you’re injured by an uninsured or underinsured driver.
If you don’t own a car or have auto insurance, there may be other legal avenues or bicycle-specific insurance options to explore. Our team can help you understand your rights and identify the best path forward.
At Jones Kahan Law, we’re committed to protecting the rights of cyclists across Ohio and Kentucky. We have the experience and knowledge to handle complex bicycle accident claims, including those involving uninsured or underinsured motorists.
We offer:
If you or a loved one has been injured in a bicycle accident, don’t wait to get the legal help you need. Contact Jones Kahan Law today to schedule your free consultation and let us fight for the compensation you deserve.
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