If you're involved in a bicycle accident, it's crucial to take the right steps immediately to protect your rights and ensure your safety. First and foremost, call 911 and request both police and emergency medical services (EMS) to the scene. This ensures that there is an official record of the incident and that you receive any necessary medical attention.
After calling for help, avoid discussing the crash with anyone except law enforcement. Anything you say could be used against you by the other party’s insurance company. However, if a police officer arrives, it's important to provide them with your account of what happened, along with your contact information. This helps establish your version of events early on.
One key point to remember: even a simple statement like “I didn’t see the car before it hit me†can be interpreted as “I wasn’t paying attention.†Be careful with your words, even if you feel guilty or unsure about what happened.
It’s also essential to get the contact information of any witnesses at the scene. If you’re injured and unable to do so yourself, ask someone else to collect it. In one real-life example, a witness provided critical testimony that helped prove the driver was at fault. Always document the details of the accident and gather evidence while you can.
Law enforcement may not always prepare a formal accident report, depending on the situation and local policies. If they do, make sure it accurately reflects what occurred. If you’re not seriously hurt, ask the police to write a ticket for the driver, especially if they violated traffic laws related to cyclists.
Remember, most states have specific laws requiring drivers to pass cyclists safely and give them proper space. If a driver hits you, they may have broken these laws. Mention this to the police and insist on a fair investigation.
Once the immediate danger has passed, take photos of the scene, your bike, the vehicle involved, and any visible damage. Also, note down the license plate number of the car. These details can be valuable when filing a claim or speaking with an attorney.
Before speaking with the driver’s insurance company, consult with a lawyer. Insurance adjusters are trained to minimize payouts, so it's best to have legal guidance before making any statements or signing documents.
Here’s a quick checklist to follow after a bicycle accident:
- Call 911 and request police and EMS
- Gather witness information
- Ask the police to write a ticket
- Take pictures of the car and bike
- Capture images of the accident scene
- Note the car’s license plate number
- Avoid talking to anyone except the police
- Consult an attorney before contacting the insurance company
Velosurance.com offers specialized bicycle insurance that covers a wide range of risks, including accidents, theft, and damage. With their coverage, you can ride with more confidence, knowing your bike is protected from unexpected incidents. Whether you're commuting or cycling for fun, having the right insurance can make all the difference. Get a free instant quote today and stay safe on the road.
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