HAVE YOU CHECKED YOUR SPARE TIRE LATELY?
Automobile Insurance Coverage for Bicycle Riders
If you are the type of person who checks your spare tire before you get a flat, you
may not need to read this article. However, if you typically overlook preventive
maintenance, you should consider this advice.
Bicycle riders tend to incur severe injuries and high medical expenses when
involved in an accident with a motor vehicle. Have you considered how you will
pay your medical expenses if you are injured in a bicycle accident? Even with the
best health insurance coverage, there is usually a deductible and/or a co-
payment that you will be responsible for paying. But, did you know that your
automobile insurance policy may provide additional coverage? So, you may say
that your children are the ones who ride bicycles; or, that you do not personally
have an auto or auto insurance. Yet, all automobile policies issued in North
Carolina provide coverage not only for the named insured, but also your spouse,
and any family members living in the same household. Accordingly, almost all
bicycle riders will have access to automobile insurance coverage.
The first type of auto insurance that may provide coverage when a bicyclist is
injured in an accident is medical payments coverage. Med pay, as it is called, is
optional coverage in North Carolina that can be purchased in conjunction with
your automobile insurance policy. This coverage means that your insurance
company will reimburse you, or any of your family members, for any injury
sustained if you are hit by a motor vehicle regardless of who was at fault. Medical
payments coverage is generally issued in amounts of $1,000, $2,000 or $5,000.
This insurance is fairly inexpensive, but you have to ask for it.
It is also important for bicyclists to have uninsured and underinsured motorist
coverage to protect themselves in the event of an accident. Uninsured and
underinsured coverage is mandatory in conjunction with your liability coverage,
unless you sig