Did you know that you can file an auto insurance claim after a bicycle accident in Florida? If you’re surprised, listen up. Your car insurance usually only pays for damages that you cause while driving, but if a driver hits you while you’re riding and they are found to be at fault, you can actually get coverage for your injuries by using your own insurance policy. You can do this because you’re technically a pedestrian—defined as someone who is not operating a vehicle that is “self-propelled.” Since you power your bike with your legs, that definition includes you when you’re on a bike. But wait. Wouldn’t the at-fault driver’s insurance cover your medical expenses? That’s a great question. Normally it would. However, some exceptions to the rule can mean you need to file a claim with your own insurance. Want to learn more? Here’s what you need to know. The Driver’s Insurance Might Not Cover Your Bicycle Accident Injuries A few instances exist in which the at-fault driver’s insurance might not cover you. For one, what if the driver doesn’t have insurance? After all, at any given time about 15% of drivers on the road across the country don’t carry …
