How Does Personal Injury Protection (PIP) Insurance Work for Cyclists?
New York is a no-fault state. State law requires drivers to carry Personal Injury Protection insurance (PIP). when a driver is involved in an auto accident, they will file a claim with their insurer, regardless of whether they were at fault for the collision. Their insurance will cover up to $50,000 in medical bills, injury-related expenses, and lost wages. Personal injury Protection insurance also covers injury-related expenses when a driver hits a cyclist. When a driver hits a cyclist, the rider gains first-party rights under the vehicle’s policy. The cyclist must adhere to the thirty-day rule, which gives the injured cyclist thirty days to file a claim with the negligent driver’s insurance provider. If the cyclist fails to meet this deadline, it could result in the claim being denied. After filing a claim, the injured party will have forty-five days from the date of medical treatment to provide the medical bills and proof of lost income.
Can I File a Lawsuit After a Bicycle Accident?
If you sustained injuries that meet the state’s serious injury threshold and your damages exceed $50,000, you can file a lawsuit. A bicycle accident attorney can help you determine whether you can pursue a personal injury lawsuit to recover maximum compensation for both economic and non-economic damages.
How Can a Queens Bicycle Accident Attorney Help?
If you were hit by a negligent driver while riding your bike, you must take legal action as soon as possible to prevent missing the deadline for filing a no-fault insurance claim. You will have thirty days to file a claim with the negligent driver’s insurance provider. At Parker Waichman LLP, a bike accident attorney can ensure you don’t miss this important deadline.
During this challenging time, they can also help by:
- Investigating the accident
- Gathering evidence
- Interviewing witnesses
- Assessing damages
- Filing a claim
- Handling all communication with the insurance company
- Fighting for a fair settlement
- Filing a lawsuit if settlement negotiations are not successful
- Representing you in court
If your accident-related damages meet the serious injury threshold, your attorney can help you pursue a lawsuit and can represent you in court.
How Can a Queens Bicycle Accident Attorney Help?
Even a minor crash on a bike can result in severe injuries, considering the cyclist will only have a helmet to protect them from the road. However, when a cyclist is hit by a driver, the injuries they suffer are often catastrophic.
Common bike accident injuries can include:
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