Been In A Bicycle Accident? Here’s How To Make An Insurance Claim

How to Claim Insurance for a Bicyclist Accident: A Step-by-Step Guide

If you’ve been involved in a bicyclist accident, knowing how to claim insurance is crucial for covering medical expenses, lost wages, and property damage. The first step is to report the accident to local authorities and seek immediate medical attention, even if injuries seem minor. Be sure to collect important details at the scene, such as the driver’s contact and insurance information, witness statements, and photos of the damage and location. This documentation will play a vital role in supporting your insurance claim for a bicycle accident.

Notify Your Insurance Company

Next, notify your insurance company and the driver’s insurance provider (if a vehicle was involved). In many bicycle accident cases, the at-fault party’s auto insurance may be responsible for compensating you under liability coverage. If the driver is uninsured or flees the scene, you may be able to use your own uninsured/underinsured motorist coverage or homeowner’s insurance policy to file a bicyclist accident claim. It’s important to understand what your specific insurance policy covers and speak to a representative to get the process started promptly.

Maximize Your Insurance Settlement

Finally, to maximize your insurance settlement after a bicycle accident, consider working with a personal injury attorney who specializes in bicycle accidents. They can help negotiate with insurance adjusters, collect medical evidence, and ensure that all damages—including pain and suffering—are accounted for. Filing an insurance claim for a bicyclist accident can be complex, but with the right steps and support, you can secure the compensation you need to recover. Always act quickly and keep a detailed record of all related expenses and communications to protect your legal rights.

Use This Bicycle Accident Insurance Claim Calculator to get an idea of what you can expect.

Step-by-Step Guide to Claiming Insurance After a Bicycle Accident

1. Ensure Safety and Seek Medical Attention

• Move out of traffic if possible.
• Get medical help immediately—even minor injuries can worsen later.
• Call the police to file an official accident report.

2. Gather Evidence at the Scene

• Exchange details with the driver: name, contact info, insurance company, policy number, license plate, and vehicle info.
• Take photos/videos of:
  • Your bike and injuries
  • The vehicle involved
  • Road conditions and signage
• Collect witness statements and contact info.

3. Report the Accident

• File a police report and, if required in your state, submit an SR-1 or similar form to the DMV.
• Notify both your insurer and the at-fault driver’s insurance company. This is not the same as filing a claim—just report the incident.

4. Identify Which Insurance Applies

Depending on the situation, different policies may cover your damages:

5. Document Your Damages

Prepare a file with:

• Medical records and bills
• Repair/replacement estimates for your bike
• Lost wages documentation
• Pain and suffering notes (journal entries, therapy records)

6. Negotiate or Hire a Lawyer

• You can negotiate directly with the insurer, but if injuries are serious or fault is disputed, a personal injury attorney can help.
• Lawyers can also assist if the insurer offers a lowball settlement or delays the claim.

Helpful Videos

• What Insurance Policies Cover Bicycle Accidents? – Overview of coverage types
• How Do I Make an Insurance Claim After a Bicycle Accident? – Step-by-step legal advice
• Bicycle Injury Compensation Guide – Understanding fault and maximizing your claim

Hire a Bicycle Accident Attorney In California

If you or someone you love is in a bicycle collision, the Bicycle Lawyer Pros strongly encourage you to call our California bicycle accident lawyers. And Best of all, your experienced Bicycle Accident Lawyer will provide you with the best legal representation and guidance that you need. Not only that, but our offices are conveniently located throughout California and we conduct regular travels in your region to meet with clients. So what are you waiting for, contact a bicycle accident lawyer today.

Corey Higgins

Corey Higgins has been working at Accident Lawyers’ Group for 2 years. Accident Lawyers’ Group is part of the Law Firms & Legal Services industry, and located in California, United States.

Accident Lawyers’ Group provides personal injury and accident related legal services for the entire state of California. The Group serves injury victims of numerous types of accidents such as car, truck, personal injuries, dog bites, slip and fall and more.

• Law School: Whittier Law School
• Status: In Good Standing
• Licensed: 14 years