What Is Bike Insurance?

An avid cyclist, attorney Joshua Cohen fully understands the dangers that come with commuting to work on your bike or riding as a hobby. Distracted drivers, road defects and a lack of bike lanes in Los Angeles put bicyclists at risk. Even slow-speed injuries in a vehicle vs. bicycle collision can be serious, life-changing and life-threatening.

Although the law requires drivers in California to have insurance, a person can elect minimal coverage of $15,000 per person in a crash. A crash between a vehicle and a bike could result in medical and rehabilitative costs that are much higher than the minimum required for coverage. And what if the other driver doesn't have any insurance? What if it was a hit-and-run?

Everyone Should Ensure That Their Insurance Policy Covers Uninsured Motorists

Bike insurance = uninsured motorist insurance. To cover your medical expenses should you be hit by an uninsured or underinsured driver, your policy needs to include coverage for this circumstance. It's extremely important for bicyclists and for all drivers and pedestrians to protect themselves and ensure that they have the funds to pay for medical care. Declining uninsured/underinsured motorist coverage on your own auto policy can have serious consequences should you be injured.

Were You Injured In A Bicycle Or Pedestrian Accident?

If you or a loved one has been injured in a bicycle accident, call us at 323-746-8531 or send an email. The process of dealing with insurance companies is difficult and complex. Our lawyers can answer your questions and help you navigate your insurance policy and, if necessary, file a personal injury claim on your behalf. We have the experience to work to your advantage — check out our previous case results.