• RayG

    1a. Be aware of what the CA insurance doesn’t cover. For Personal Injury it only covers 85% of non-Medicare medical costs up to a $5000 limit and you have to claim from your own health insurance first. Pretty hopeless, really. Luckily for me, the driver’s CTP insurer has assumed liability and I’m not out of pocket at all.

  • DC Rainmaker has a great write up from his experience in Washington state. You can check it out here:

    There’s a lot of detailed and useful information there.

    John Duggan, cycling lawyer in Seattle, has this from a few years ago:
    * Do remain calm and non-confrontational.
    * Do call the police and insist that the officer files a police report. In the event that an officer does not respond, go to a police station
    and file an accident report within 72 hours of the incident.
    * Do get the vehicle driver’s insurance information, address, phone number and license plate number.
    * Do get the name, phone number and address of every witness.
    * Do get the necessary medical treatment.
    * Do have your bike thoroughly inspected by a reputable bike shop.
    * Do take photographs of the accident scene, your injuries, your bike and all other involved vehicles (your new camera phone may come
    in handy!).
    * Do not lose your temper or argue with the vehicle driver.
    * Do not minimize your injuries or your bike damage.
    * Do not give a statement to the vehicle driver’s insurance without first consulting with an attorney.
    * Do not rush into any settlement until you know the full extent of your injuries and bike damage.

  • jules

    “Tip: It’s a nice gesture to spend the insurance money for the new bike at the helpful shop!”

    based on the experience of someone I know, some insurers now have aligned bike shops that they can require you to deal with, i.e. not your choice. this has been a thing with car insurance claims for some time now.

    • Rae-Anne

      Thanks Jules. This is true for some insurers. Some companies will also ask that the at-fault party’s insurance cover the cost (driver if they are at fault). Some will pay replacement and some will factor in depreciation. It will depend on what country you’re in and whether the driver’s insurance should cover your damage as well.

      • Dave

        If the other party is fully at fault and you claim through your insurance company on a ‘comprehensive’ type policy, then your insurer will ALWAYS go chasing the other insurer for the money.

        It’s why you pay the higher premium for comprehensive insurance and not just insurance to cover damages you cause to a third party, you get the convenience of having your own insurer pay out your claim and do the hard work instead of having to chase the other party for the money.


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