Memphis personal injury attorney Jami Ferrell was recently featured in “Memphis Health and Fitness” magazine where he discussed how injured cyclists can recover for their injuries and property damage.
bicyclist hit by car
Here is a list of some of the frequently asked questions that he was asked concerning cyclists who have been hit by automobiles and his answers to these questions.
Q: How many cyclists are injured each year?
A: According to the 2008 NHTSA report (the latest available), 52,000 bicyclists were injured and 716 bicyclists were killed on U.S. roads.
Q: Is there anything you can do to help you pay for damages if you were injured by a car while running or cycling?
A: Yes. If the vehicle stops you can get the driver’s insurance information and file an accident and injury claim to be reimbursed for any property damage, medical bills, missed work due to the accident and any other pain and suffering.
Q: Are you out of luck if the driver doesn’t stop?
A: Not necessarily. Even if the driver who hit you doesn’t stop or doesn’t have insurance you still may be able to be reimbursed for your injuries and loss if you have uninsured motorist coverage (UIM) on your own car.
Q: Will my insurance go up if I make a claim for someone else hitting me while running or cycling?
A: No. Tennessee insures are not allowed to rate your rates or cancel coverage for making a claim under their uninsured motorist coverage policy.
Q: What is an “injury” and how bad do you need to be hurt before you need to call a lawyer?
A: My philosophy is that if you are lucky enough to walk away and get back to your regular routine without a visit to the doctor, missing days of work or not being able to train because of pain then you should say your prayers and count your blessings. But if your bike has been wrecked, you have a lot of doctor’s bills, severe pain and discomfort then you need to give an attorney you trust a phone call.
My advice to all of you who are active and always moving is that you need to call your insurance provider today to see if you have UIM coverage. If you don’t have it then add it right away.
The cost is very minimal and it can mean all the difference in the world if you’ve been hit by someone while enjoying your favorite activity. With UIM coverage in place, personal injury attorneys like me will actually be able to help you get back on your feet and back outside.
If you’ve been hurt when a car negligently hit you while you were riding your bicycle then call me today at 901-754-1340. The call and your consultation are free, and if you become my client we are paid nothing unless we collect for you!
