When a car hits you while you’re riding your bike, getting medical help as quickly as possible should be your top priority. Some injuries may look minor at first, but internal bleeding or severe brain injuries may not show signs of damage for hours or even days after an event. Going to the doctor is a crucial first step in securing financial support for your medical care since they will document your injuries.
When you’re done getting checked out by a medical professional, it’s time to talk to a lawyer about your bike accident. They can help you get the compensation you deserve.
The states of New York, New Jersey, and Pennsylvania follow the majority of other US states in requiring anyone wounded in vehicle accidents to make medical claims via their auto insurance carriers, regardless of who was to blame for the event.
After an accident, it can be difficult to understand your rights in regard to personal injury protection (PIP) coverage and you may choose to consult with an attorney. A Scranton, PA car accident attorney can help you receive the money you need for medical bills and compensation for your pain and suffering if you were hurt in a bicycle accident.
The Pennsylvania No-Fault Health Care Act
If a cyclist is hurt in an accident and he or she has valid motor insurance coverage in Pennsylvania, the policyholder must be the one to submit the PIP claim. Personal injury protection (PIP) coverage may be available under the policy of a relative who shares your residence if you do not have your own policy. In the event that no one in your household carries motor insurance, you can still submit a PIP claim with the at-fault driver’s insurance provider. PIP coverage under the Pennsylvania Financial Responsibility Assigned Claims Plan may be offered to injured cyclists if none of the above apply (PFRACP).
In Pennsylvania, $5,000 worth of PIP coverage is the bare minimum that must be purchased. While personal injury protection claims can be lodged up to four years after the event occurs, health insurance claims are due within a year. This is why you should use up your PIP benefits as soon as possible after an accident, and certainly no later than a year after the incident.