Bicycle accidents can be life-altering. Whether you’re riding through downtown Bloomington, coasting along Constitution Trail, or commuting through Veterans Parkway, one wrong move by a motorist can cause serious harm. When accidents happen, one of the first questions riders often ask is: what insurance covers bicycle accidents in Bloomington, IL?
This blog breaks it down clearly — from car insurance to homeowner’s policies to bike-specific coverage — so you can understand what options may protect you or your loved ones after a crash.
The Reality of Bicycle Accidents in Bloomington
Bloomington, like many Illinois cities, encourages eco-friendly transportation. Bicycles are a big part of that movement. But with increased ridership comes increased risk — especially when car drivers fail to yield, text while driving, or ignore cyclists’ rights.
Many of these accidents occur in city intersections, and often, the cyclist suffers the most severe injuries.
If you’ve been in a crash, the question becomes urgent: what insurance covers bicycle accidents, and how can you get the compensation you need?
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Auto Insurance: The Surprising First Line of Coverage
Many cyclists don’t realize that auto insurance — even though they weren’t driving — may be the first place to turn for help.
Here’s how:
1. The Driver’s Liability Insurance
If a motorist hit you while you were biking, their liability insurance should cover your medical expenses, lost income, and other damages.
$25,000 for injury or death of one person
- $50,000 for injury or death of more than one person
- $20,000 for property damage
This coverage can be pursued through a personal injury claim.
2. Your Own Auto Insurance (Yes, Even on a Bike)
If the driver is uninsured or underinsured, or if it was a hit-and-run, you may be able to use your own uninsured/underinsured motorist (UM/UIM) coverage — even though you weren’t in a car. This can be a lifeline in situations where the at-fault party can’t pay.
Understanding what insurance covers bicycle accidents often involves reviewing both your policy and the driver’s. A legal team like Onward Injury Law can help analyze every angle to maximize your claim.
Homeowners or Renters Insurance: Limited But Worth Checking
If your bike was damaged in an accident (or even stolen), your homeowners or renters insurance might come into play.
What It Might Cover:
Keep in mind: this insurance typically doesn’t cover medical bills or personal injuries you suffer from a crash caused by someone else. It also may not offer enough to cover a high-end or electric bike unless you’ve added a specific rider or floater.
Still, when asking “what insurance covers bicycle accidents,” it’s smart to review all your existing policies, including the ones you may not immediately think of.
Health Insurance: Essential for Medical Expenses
If you’ve been injured, health insurance can be a key resource — especially for covering:
- ER visits
- Surgery
- Rehabilitation
- Physical therapy
- Follow-up appointments
Even if another party is responsible for the accident, your health insurance can step in first to help with immediate medical bills. Later, if a settlement is reached, your insurer may seek reimbursement through a process called subrogation.
This coordination between health insurance and liability insurance is another area where legal guidance can make a real difference. The Onward Injury Law has helped clients in Bloomington navigate this complex process without leaving money on the table.
Bicycle-Specific Insurance: A Growing Option
While not yet as common as car insurance, bike-specific insurance policies are becoming more popular — especially among serious cyclists and e-bike owners.
These policies can cover:
- Medical payments
- Bicycle damage or theft
- Replacement costs
- Liability protection if you injure someone else
What To Do After a Bicycle Accident in Bloomington
After a bike accident, it’s important to act quickly — not only for your health but also to protect your rights and claims. Here’s a checklist:
- Call 911 – Always report the incident and get medical attention.
- Document Everything – Take photos of the scene, your injuries, the vehicle, and your bike.
- Get Witness Information – Names, phone numbers, and any statements can be valuable.
- Don’t Rush to Settle – Insurance companies may offer quick settlements that don’t fully cover your losses.
- Talk to a Personal Injury Lawyer – Understanding what insurance covers bicycle accidents isn’t always straightforward. Legal support can ensure you explore all your options.
In Bloomington, time is of the essence. Illinois has a two-year statute of limitations for personal injury claims.
Final Thoughts: Protect Yourself Before and After the Ride
If you’re a cyclist in Bloomington, IL, knowing what insurance covers bicycle accidents can give you peace of mind — and better recovery options if an accident occurs. Review your existing policies, explore new ones if needed, and always seek help if you’re injured.
Accidents are unpredictable, but your response doesn’t have to be. With the right coverage and legal support, you can focus on healing while your rights are protected every step of the way.
Need help after a bicycle accident in Bloomington? Contact Onward Injury Law today for a free consultation and let them help you move forward with clarity and confidence.
