You wouldn’t think of heading out on a training ride without your helmet. But when was the last time you checked your other protection – your auto insurance coverage? Believe it or not, your auto policy covers you when you’re riding if you have an incident with a vehicle.
Every time we head out for a ride we put ourselves at risk. If you haven’t already, it’s an unfortunate fact that sooner or later you will likely have a run-in with a vehicle. Hopefully you will walk away from it. If not and you need to make a claim, your auto insurance policy comes into play when the other driver has little or no insurance to cover the claim. Studies show that 1 in 8 Colorado drivers is uninsured and 35% carry only the minimum required coverage of $25k
I tell everyone (especially road cyclists) who will listen that they should purchase as much auto insurance as they can afford. The Colorado minimum of $25kin coverage will just about pay for a day in the hospital and surgery to repair a broken collar bone. If you’re hurt worse than that and the other driver is under- or uninsured, you’re looking at a very expensive problem. This is why you need to protect yourself with good coverage and not rely on the policy of the offending driver.
I can tell you horror stories of cyclists with significant injuries caused by uninsured drivers. Without sufficient insurance to cover the claim there is only so much a lawyer can do. If they had only had more of their own auto insurance the outcome would have been much more favorable. If you have questions about a claim or insurance, call John Flora at 855-563-5672