BICYCLE ACCIDENTS IN LEXINGTON
Bicyclists are at a great risk, especially in Lexington. Many University of Kentucky students rely on bikes to get them to and from class, as well as to places like the grocery store and work. If you were involved in a bicycle accident, it is your right to seek the compensation that may be available to you in a personal injury lawsuit. Skilled, qualified and experienced legal counsel is available at James Clayton Hall, PLC.
BICYCLE ACCIDENT INJURIES
Unfortunately, bicycle accidents typically result in severe trauma to the rider including brain damage, broken bones, spinal injuries, and more. A bicycle accident involving a car or truck can involve catastrophic injuries. Many cyclists who are hit by a car have permanent disabilities and some are killed in these crashes. It’s important that an injured cyclist is given the best medical care available for a full recovery. James Clayton Hall is a knowledgeable personal injury attorney who can help you identify some of the best doctors and specialists available in Kentucky where you can obtain treatment.
Negligent motor vehicle driver conduct often results in bicycle injuries and fatalities. Injured bicyclists may seek compensation for their injuries. Compensation often includes medical expenses, rehabilitative care, lost wages, pain and suffering, property damage, and much more.
AVAILABLE INSURANCE COVERAGE
In Kentucky, bicyclists are considered pedestrians. Therefore, bicyclists injured in a traffic accident may have the RIGHT to certain auto insurance benefits provided by the insurance company covering the vehicle driven by the person or entity that caused your injuries. These benefits (also known as “PIP Benefits” or “Basic Reparation Benefits”) generally include: 1) $10,000 for medical bills; 2) $200 per week for lost wages; and 3) $200 per week for hiring someone to do household chores for you.
Likewise, any operator of a moped is also considered a pedestrian and may have the right to recover No Fault Benefits from the insurance company covering the vehicle that was being driven by the person who caused your injuries.
The insurance policy of the vehicle (that hit you) will cover your medical bills and lost wages, unless the owner has rejected No Fault Coverage. Therefore, if there is No Fault Coverage, you can collect No Fault Benefits even if the accident was your fault!
No Fault Insurance Coverage does not include payment for pain and suffering and other out of pocket losses. Also, your No Fault Coverage will stop when your medical bills, lost wages, and/or replacement costs have reached $10,000. You must file a claim with the liability insurance company of the person or entity that caused your injuries to receive compensation for pain and suffering and other out of pocket losses, as well as for your medical bills and lost wages once your No Fault Coverage ends.
When another person or entity causes you to have a bicycle accident, you may be entitled to compensation for your injuries and bicycle damages from their insurance company. In Kentucky, the minimum coverage required for automobile insurance policies is $25,000 for single person injuries and $50,000 for multiple person injuries. This means that the insurance company covering the vehicle or entity causing your injury may be obligated to pay for your pain and suffering, medical bills, lost wages, and other out of pocket expenses. It is important to note that this insurance company will only be obligated up to the coverage limits available for the particular policy involved. For example, if the at fault party’s insurance is a “$25,000/$50,000” policy as discussed above, then you could not recover more than $25,000 from the liability insurance company.
The insurance policy of the person or entity that caused your bicycle accident may also be obligated to pay for the damage done to your bicycle. Typically, the at-fault party’s insurance company will pay for necessary repairs to your damaged bicycle. When the damage to the vehicle is so severe that it bends the bicycle frame or requires repairs that costs more than the fair market value of the bicycle, then the insurance company will consider the bicycle to be a “total loss” and pay you an amount equal to its fair market value.
When a cyclist is killed in a bicycle accident it is especially difficult on the family. We understand the grieving process is ongoing and that it takes time to heal after such a devastating loss. We also know you want justice for what happened. We will fight for you with determination and passion just like we would for a family member. Once you join our firm, you will always be a part of the James Clayton Hall, PLC family.
Sometimes there can be multiple parties responsible for a bicycle accident including governmental agencies and businesses. Most of our roadways were originally built without regard for the safety needs of bicyclists and pedestrians. Attorney James Clayton Hall will fully investigate your claim to find all of the responsible parties and will hold them accountable for their actions or inactions.