Uninsured Motorist Coverage and Bicycle Accidents

As a triathlete, every time I get on my bicycle, I worry about being hit by a vehicle. We can be very cautious while riding.  However, there is nothing we can do if a motorist is not paying attention.

What happens if you are hit by a motorist and the person has no insurance or drives off? In New Hampshire, your own car insurance will probably cover you.  New Hampshire requires that every motor vehicle insurance policy issued in the state include uninsured motorist coverage in the same amount as your liability coverage.  That uninsured motorist coverage usually covers a named insured who is injured by an uninsured motor vehicle, even if the insured is not in a vehicle (such as a bicyclist or pedestrian).  An uninsured vehicle includes a hit and run vehicle.  What if the motorist never actually hits you?  This is covered too, as there need not be physical contact between you and the motor vehicle for the accident to be a hit and run accident, based on New Hampshire law.

If you are injured by a careless motorist, our office may be able to help you. Please contact me to arrange an initial meeting.  There is no cost to you to speak with me about your rights.

 

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