Did you know?
In Missouri the month of September has one of the highest rates of crashes involving cyclists. As you can imagine, a crash between a vehicle and bike can result in serious injury to the cyclist even if the car is traveling at low speeds. These crashes can be avoided if both the motorist and cyclist follow the rules of the road. For some basic safety tips here is a link from the National Highway Traffic Safety Administration: https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/811557.pdf
What happens if there is a crash? Well, if the motorist failed to follow the rules of the road and injures a cyclist, then that motorist’s insurance should cover the incident. Sometimes, the negligent motorist may not have enough insurance to cover the injuries to the cyclist. While this is certainly a scary situation, there are potential avenues for recovery. For instance, the cyclist may be able to file a claim under their own auto insurance if they have underinsured motorist coverage. Underinsured motorist coverage is considered floating coverage, and it will protect someone even if they are not in their car.