Q.
I live in the city and recently bought a bike and started practicing. However, last weekend, even though there is a bike path in my neighborhood, I narrowly escaped a serious car accident. Do I have insurance that would cover me for this type of accident?
A.
If you have ever ridden a bike in LA, you know how dangerous it can be. Unfortunately, drivers don’t pay much attention to bikes, so you should always be careful when riding a bike in LA. But in fact, LA encourages bicycling to reduce traffic congestion and bring a sense of community to the community. As a result, the number of bicyclists on the streets continues to increase.
First of all, before riding a bicycle, you should definitely know the proper traffic laws. Bicycles should always be ridden in the same direction as traffic, always wear a bicycle helmet, and when riding at night, you should have lights or reflectors on your bicycle or wear clothing that has such effects.
However, if you are in a car accident and the driver is at fault, the driver’s insurance will pay for your injuries and damage to your bike. But what if the driver is uninsured or does not have sufficient coverage? Because bicycle accidents can cause serious injuries to cyclists, cyclists must have UM insurance. UM insurance is sold with auto insurance and is optional. The biggest advantage of UM insurance is that it covers you if you are in a car accident, but it also covers you if you are riding a bike or walking. And UM insurance also covers your family members if they are in the same accident.
For example, if you have a UM policy with a limit of $100,000 for your car insurance, and you are in a car accident while riding a bicycle and break your collarbone, and your medical bills are claimed for $100,000, but the driver who caused the accident has an insurance limit of only $50,000, then $50,000 will be paid out first by the driver's insurance, and the remaining $85,000 will be paid out by the UM policy. Also, if your family member has a similar accident, they will also be paid out within the $100,000 limit.
As you can see, it may be wise to have as much coverage as possible on your UM policy, as it will provide you with adequate compensation in the event of an accident with a low limit or uninsured driver. Carrying UM insurance is usually a much lower additional cost than you might expect given the many benefits it provides, so it is a good idea to contact your insurance company to review your policy and sign up for UM insurance.
Q.
I live in the city and recently bought a bike and started practicing. However, last weekend, even though there is a bike path in my neighborhood, I narrowly escaped a serious car accident. Do I have insurance that would cover me for this type of accident?
A.
If you have ever ridden a bike in LA, you know how dangerous it can be. Unfortunately, drivers don’t pay much attention to bikes, so you should always be careful when riding a bike in LA. But in fact, LA encourages bicycling to reduce traffic congestion and bring a sense of community to the community. As a result, the number of bicyclists on the streets continues to increase. First of all, before riding a bicycle, you should definitely know the proper traffic laws. Bicycles should always be ridden in the same direction as traffic, always wear a bicycle helmet, and when riding at night, you should have lights or reflectors on your bicycle or wear clothing that has such effects. However, if you are in a car accident and the driver is at fault, the driver’s insurance will pay for your injuries and damage to your bike. But what if the driver is uninsured or does not have sufficient coverage? Because bicycle accidents can cause serious injuries to cyclists, cyclists must have UM insurance. UM insurance is sold with auto insurance and is optional. The biggest advantage of UM insurance is that it covers you if you are in a car accident, but it also covers you if you are riding a bike or walking. And UM insurance also covers your family members if they are in the same accident. For example, if you have a UM policy with a limit of $100,000 for your car insurance, and you are in a car accident while riding a bicycle and break your collarbone, and your medical bills are claimed for $100,000, but the driver who caused the accident has an insurance limit of only $50,000, then $50,000 will be paid out first by the driver's insurance, and the remaining $85,000 will be paid out by the UM policy. Also, if your family member has a similar accident, they will also be paid out within the $100,000 limit. As you can see, it may be wise to have as much coverage as possible on your UM policy, as it will provide you with adequate compensation in the event of an accident with a low limit or uninsured driver. Carrying UM insurance is usually a much lower additional cost than you might expect given the many benefits it provides, so it is a good idea to contact your insurance company to review your policy and sign up for UM insurance.