Injured in a Bicycle Accident? Here’s What You Need to Know About Making a Claim

Riding a bicycle should be enjoyable, whether you’re commuting, exercising, or just out for a ride. But when an accident happens, everything changes in an instant. Injuries from bicycle accidents can be serious, and if someone else was at fault, you may be entitled to compensation.

If you’re wondering what steps to take after a crash and how to file a personal injury claim, this guide will walk you through it.

Understanding Liability in a Bicycle Accident

Before filing a claim, it’s important to determine who was at fault. In many cases, a driver’s negligence causes the accident, but liability can also fall on other parties.

Common Causes of Bicycle Accidents

Driver Negligence – Distracted driving, speeding, failing to yield, or opening car doors without checking for cyclists (dooring accidents)
Poor Road Conditions – Potholes, uneven pavement, or lack of proper signage
Defective Bicycle Parts – Malfunctions or manufacturing defects leading to loss of control
Other Cyclists or Pedestrians – Sometimes, another cyclist’s or pedestrian’s actions can cause a collision

Once you establish who is responsible, you can move forward with a personal injury claim.

Steps to Take After a Bicycle Accident

What you do immediately after the accident can significantly impact your claim. If your injuries allow, take these steps:

1. Get to Safety and Call for Help

If you’re able, move to a safe location away from traffic and call emergency services. Even if you think you’re fine, injuries like concussions or internal damage might not be immediately apparent.

2. Gather Evidence

Having solid evidence can make a huge difference in proving your claim. Try to collect:

Photos of the accident scene, your bike, injuries, and any vehicles involved
Contact information of the driver, witnesses, or anyone else involved
A copy of the police report (if officers arrive)

3. Seek Medical Attention

Even if your injuries seem minor, see a doctor as soon as possible. Medical records play a key role in personal injury claims, proving the severity of your injuries and linking them to the accident.

4. Notify Your Insurance Company

Report the accident to your insurance provider, even if you believe the other party is at fault. Some policies provide coverage for bicycle accidents, and failing to notify them promptly could affect your claim.

5. Consult a Personal Injury Lawyer

Bicycle accident claims can be complex, and insurance companies may try to minimize payouts. A lawyer experienced in personal injury cases, such as Tom Fowler Law, can guide you through the process and negotiate for fair compensation.

What Compensation Can You Claim?

A bicycle accident can lead to financial strain, especially if you’re dealing with medical bills, lost income, or ongoing treatment. Compensation typically covers:

Medical Expenses – Hospital visits, surgeries, rehabilitation, and future medical costs
Lost Wages – Income lost due to time off work, plus potential loss of future earnings
Pain and Suffering – Compensation for physical pain, emotional distress, and diminished quality of life
Bike Repairs or Replacement – If your bicycle was damaged beyond repair
Other Out-of-Pocket Costs – Travel expenses for medical appointments or assistance needed due to your injury

The total amount depends on factors like injury severity, recovery time, and the circumstances of the accident.

Dealing with Insurance Companies

Insurance companies aren’t always eager to pay out claims. They may downplay your injuries or try to shift blame. Be cautious when speaking with adjusters, and avoid giving recorded statements without legal advice. If an offer seems too low, don’t settle too quickly—once you accept, you can’t ask for more later.

What If the At-Fault Driver is Uninsured?

If the person responsible for your accident doesn’t have insurance, you may still have options. Depending on your own insurance policy, you could file a claim under:

Uninsured Motorist Coverage – If your policy includes this, it may cover medical expenses and damages
Personal Injury Protection (PIP) – Some policies include coverage for injuries regardless of fault
A Lawsuit Against the At-Fault Party – If insurance isn’t an option, pursuing legal action may be necessary

A personal injury attorney can help you explore these alternatives and determine the best course of action.

Time Limits for Filing a Bicycle Accident Claim

Every state has a statute of limitations for personal injury claims. This means you have a set amount of time to file your claim, usually ranging from one to three years. If you wait too long, you could lose your right to seek compensation. Acting quickly ensures that evidence remains fresh, witnesses are easier to locate, and your case is taken seriously.

How to Strengthen Your Case

To improve your chances of a successful claim, keep these tips in mind:

Follow Medical Advice – Gaps in treatment can weaken your case and suggest your injuries weren’t serious
Keep a Record of Your Recovery – Document your pain levels, doctor visits, and how the injury affects daily life
Stay Off Social Media – Insurance companies may use posts against you to undermine your claim
Don’t Accept a Quick Settlement – Early offers are often low; consult a lawyer before agreeing to anything

Getting Back on the Road

Suffering an injury in a bicycle accident can be overwhelming, but taking the right steps can help you secure the compensation you deserve. While healing physically is the priority, protecting your financial well-being matters too. Whether negotiating with insurance companies or filing a lawsuit, knowing your rights ensures you aren’t left struggling after an accident.

If you’ve been injured, don’t hesitate to seek legal guidance. The right support can make all the difference in getting the justice and compensation you need.