Why cyclists need uninsured motorist coverage

On Behalf of | Sep 29, 2020 | Bicycle Accidents |

Cycling is a magnificent way to get around, especially in sunny cities such as Los Angeles. With its year-round favorable weather, cycling can be an effective alternative method of commute. However, riding a bike doesn’t come without its risks, too.

With its crowded streets, accidents are likely to happen, even when you take precautions to avoid them. A collision with an automobile can result in significant injury for cyclists, who are more vulnerable to the impact of a crash. Cyclists may find themselves facing severe injuries, including broken bones, brain trauma and more.

In most instances, a negligent driver will be responsible for paying for any damages you receive from a crash. But not all drivers have insurance. So, what happens when the other driver is uninsured?

Understanding UMC and UIM

In California, there are two types of uninsured coverage insurance companies must offer: Uninsured Motorist Coverage (UMC) and Underinsured Motorist Coverage (UIM). California residents have the right to waive these plans if they decide so. However, choosing to purchase these plans can provide a safety net in case of an accident with an uninsured driver.

Depending on the plan you have, UMC and UIM can cover bodily injury and property damage. These coverage plans kick in after a motor vehicle accident if the other driver was negligent and is either uninsured or underinsured.

Does UMC cover bike accidents?

If you are in a crash with an uninsured driver while riding your bike, you might worry about what that means. How will you receive compensation for your damages?

Your UMC or UIM plan might provide coverage for any injuries or damages sustained from an accident, even if you were not driving. If the negligent driver is uninsured, your UMC plan could cover the costs in full. If the driver is underinsured, they will have to pay as much as they are able, and your insurance will cover the rest. For example, if you have $100,000 of coverage available, but the underinsured driver only has $10,000, you may be eligible to receive that $10,000 along with $90,000 from your insurance.

Both UMC and UIM coverage offers protection against these unexpected events. Especially with uninsured drivers on the rise as well as cyclist fatalities, it’s more crucial now than ever to have UMC or UIM coverage.