Bicycle accidents can leave you facing unexpected medical bills and other costs. Knowing who covers these expenses can help you act quickly after a crash. The law decides payment based on who caused the accident and the type of insurance involved.
Personal injury protection (PIP) coverage
New Jersey is a no-fault state. This means if you have car insurance with Personal Injury Protection (PIP), your own policy often covers your medical expenses even if you were riding a bike. PIP applies whether you caused the accident or not. If you live with someone who has PIP coverage, their policy might also cover your injuries.
When the driver is at fault
If a motor vehicle caused your bicycle accident, you can file a claim against the driver’s liability insurance. Drivers must carry insurance that pays for injuries they cause to others. You need to show that the driver acted carelessly, such as running a red light or failing to yield. This type of claim can cover medical bills, lost wages, and pain and suffering.
When another party shares blame
Sometimes, poor road conditions, defective bicycle parts, or other factors contribute to bicycle accidents. In these cases, you can hold local governments, bike manufacturers, or property owners responsible. New Jersey allows claims against multiple parties, but you must prove how each one contributed to your injuries.
What happens if no one has insurance?
If neither you nor the driver has proper insurance, you still have options. You might qualify for benefits through the New Jersey Property-Liability Insurance Guaranty Association. This program helps cover costs when no insurance is available, although limits and requirements apply.