Who Pays for Damages After a Louisiana Bicycle Accident?

One of the first questions injured cyclists ask after a bicycle accident is simple:

"Who pays for all of this?"

The answer depends on how the accident happened, who was responsible, and what insurance coverage is available.

In many cases, the at-fault driver and their insurance company are responsible for compensating an injured bicyclist for both property damage and personal injuries resulting from the collision.

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Property Damage Claims

Property damage in a bicycle accident often extends far beyond the bicycle itself.

Depending on the circumstances, compensation may be available for damage to:

• The bicycle
• Helmets
• Cycling computers and electronics
• Cell phones
• Eyeglasses
• Clothing and protective gear

Because damaged equipment is often thrown away shortly after an accident, it is important to preserve these items whenever possible and to take photographs before repairs or replacement occur.

Personal Injury Damages

Bicycle accidents frequently result in injuries that are far more serious than those seen in ordinary vehicle collisions.

An injured bicyclist may be entitled to compensation for:

• Medical expenses
• Lost wages
• Pain and suffering
• Disability or physical impairment
• Loss of future earning capacity
• Emotional distress

The exact damages available depend upon the nature and severity of the injuries involved.

Will the Insurance Company Pay Medical Bills as They Happen?

Many people assume that the at-fault driver's insurance company will simply pay doctors and hospitals directly while treatment is ongoing.

In most cases, that is not how the process works.

Instead, medical treatment is often paid through health insurance, Medicare, Medicaid, medical payment coverage, or arrangements made directly with healthcare providers.

At the conclusion of the case, those medical expenses are typically included as part of the claim against the responsible party.

Sometimes There Is More Than One Source of Coverage

Although many bicycle accidents involve negligent drivers, they are not the only possible source of recovery.

In some cases, roadway defects, construction hazards, commercial vehicles, or even other cyclists may contribute to an accident.

Many injured bicyclists are also surprised to learn that their own automobile insurance policy may provide uninsured or underinsured motorist coverage, even though they were riding a bicycle rather than driving a car.

Determining what insurance coverage may be available is often one of the most important parts of investigating a bicycle accident claim.

Have You Been Injured in a Bicycle Accident?

If you have been injured while riding a bicycle or have questions about your rights following a bicycle accident, we would be happy to answer your questions during a free consultation.

Call our office at 985-590-6182 to learn more.

We represent clients throughout St. Tammany Parish, Tangipahoa Parish, Washington Parish, and communities across the Northshore including Covington, Mandeville, Slidell, Hammond, and Madisonville.