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What Types of Insurance Will Cover My California Bicycle Accident Claim?

Your iAfter being seriously injured in a bicycle accident as of a result of the negligence of somebody else, you’re going to be receiving serious medical bills, especially if you suffered a fracture that required surgical repair. Those health care providers have businesses to run. This is why they don’t want to wait for an extended period of time to receive payment. Even though your accident wasn’t your fault, they want payment as soon as possible. Here are some recommendations on how to proceed.

Your Own Health Insurance

If you have your own health insurance, you can provide the health care providers with the appropriate insurance information. Furthermore, it’s highly likely that your insurer will pay any amounts up to the limits of your coverage. If you don’t have private insurance, but you’re on Medi-Cal, you can submit your bills there. In either case, somebody from the health care provider’s office will follow up with your insurer or Medi-Cal on payment. You can follow up on it too.

Your Auto Insurance

If you own a motor vehicle, you’ll want to check to see if you have medical payments coverage. It’s optional, but it comes in amounts that are typically between $2,000 and $25,000. It’s generally payable without regard to liability. If you do carry medical payments coverage, it might pay for the medical bills that you incur up to the limits of your coverage from a bicycle accident. Read your medical payments coverage policy language carefully. Our California bicycle accident lawyer here at Maison Law can help you interpret it. To do so, you bring in or e-mail a copy of your medical payments coverage to our offices.

Accidents Caused by Uninsured Motorists

According to the Insurance Information Institute, 16.6% of all California drivers are uninsured. The actual percentage is probably significantly higher than that. Like medical payments coverage, uninsured motorist insurance coverage is also optional. If you carry it, you and your family members who reside with you are all likely covered if any of you are a bicyclist who is hit as a result of the fault of an uninsured driver. If a driver is only minimally covered with a $15,000/$30,000 mandatory California liability insurance, your uninsured motorist coverage has underinsured motorist insurance packed into it up to the limits of your uninsured/underinsured motorist insurance. Your insurance likely covers you and your family members who reside with you if your bicycle accident happened due to a hit-and-run. The insurance probably even covers as pedestrians.

Consult With Maison Law as Soon as You Can

All of this can get complicated quite quickly if you, your spouse or child are the victim of a bicycle accident. The negligence of somebody else adds an entirely new dimension of complexity. You’ll want to consult with an experienced and effective California bicycle accident lawyer as soon as possible. Especially if the accident involved a motor vehicle. The opposing insurer will try to blame your accident and injuries on you, and even if your claim involves an uninsured, underinsured or hit-and-run motorist, your own insurance company will try the same tactic.

It’s not against the law for you to talk with our bicycle accident lawyer at Maison Law before you speak with anybody else. You can contact us about any bicycle crash anywhere in California for a free consultation and case evaluation. We promise to answer your questions and advise you of all of your possible avenues of not only paying your bills, but pursuing compensation for your injuries and other damages too. Contact Maison Law right away after being in any bicycle accident anywhere in California.

Contact a Bicycle Accident Lawyer

After an accident involving a serious injury in the Central Valley, contact attorney Martin Gasparian for a free consultation and case evaluation. Mr. Gasparian takes a hands-on approach to every case. He believes that every client should work directly with their lawyer. Get honest advice and personalized attention to detail their case deserves.

 

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