Bicycle accidents are not like motorcycle accidents for coverage purposes, they are more like “pedestrian knockdowns”. When a bicyclist or pedestrian is struck by a vehicle, the vehicle pays the medical bills and lost wages under no fault (there may also be excess coverage available under the injured person’s own automobile coverage). The vehicle is also responsible for pain and suffering, based on liability and injury.
I represented a bicyclist who was injured by a motor vehicle making a left turn in front of him while he was in the bike lane. The woman never saw my client until he was flipping over the hood of her car. He sustained a badly fractured shoulder and a cut finger, but he was also terrified to ride his bicycle, an activity that according to him, “kept him young”. Between a combination of medical treatment, physical therapy and psychological therapy, he was able to recover to the best possible ability and to resume his favored activity of bicycling.
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Oh, and he also received approximately $200,000 in pain and suffering.