If you live in Florida and are in an accident while riding your bike, you may think you are out of luck. I mean, how many of us have bicycle insurance? But, in Florida, your automobile has a PIP plan. That stands for Personal Injury Protection. The PIP pays up to $10,000 on your medical bills. Your homeowner’s insurance may cover some of the expenses to replace your bike. So, your first order of business is to get to a hospital.
Since this is a case that doesn’t happen every day, and you have no idea how to go about getting back to normal, your first call should be to an attorney. They will know what to do and how to do it. An attorney will know what to look for, and how to work with your insurance company, so you can focus on your recovery.
What to do when an accident happens
The first order of business is finding out who is injured and to get help right away. Call 911. Follow the instructions that the operator gives you. If anyone needs CPR, they will walk you through it.
If anyone is bleeding, apply pressure to the injury. Unless there is an immediate danger like fire or gasoline pouring out, do not move anyone. Wait for the paramedics to arrive. Again, follow the instructions given to you.
It is important that you document everything you can. Florida is a no-fault state, and your insurance company may offer you less than what you are eligible for after an accident. You could also sue for negligence. If you can, take pictures of the accident from every angle.
Be sure to get a photo of the license plate and the position of the bike. Include road signs and markings that will mark your exact location. If you are unable to take the photographs yourself, ask someone to do it for you.
Get names and phone numbers of any witnesses. You can record them on your phone if writing is not possible. Get photos of their driver’s license and insurance cards. Once you have collected the evidence, give it to your attorney.
Do not take responsibility for the accident. Do not say you are sorry or make any statements that could be used against you. You will want to send all this information, as well as a copy of the police report to your attorney.
In Florida, it is possible that you are judged to be at fault to a degree. They may say they were 90% at fault and you were 10% at fault. Let your attorney go after the 90%. You could have life-altering injuries.
With the help from an attorney, you have a better chance of having your medical expenses covered. Your attorney will be looking out for your future. As for material things like your bike, gear, phone, or whatever is damaged. You may be able to receive compensation for these damages. Your attorney will help guide you through the process.
If you have been injured in an accident with an automobile while riding your bike, contact an attorney as soon as possible.