Many North Carolina residents have chosen cycling as their go-to mode of transportation due to its numerous benefits. For eco-conscious individuals, cycling is an excellent way to reduce their carbon footprint. Cycling also allows individuals with limited time to use their commute to move their bodies and be fit. Generally, riding a bike is an excellent way to enjoy the outdoors because cyclists can experience the elements first-hand.
Unfortunately, bike accidents have become more prevalent as more people choose biking as a mode of transport. Suppose a cyclist gets involved in an accident; they may not know the procedure for filing to secure the compensation they deserve. Cyclists can benefit from an overview of the bike accident claims process, the essential documents they need and the steps to start a claim.
The claims process
While the claims process might be complex, breaking it down into the basic steps can help cyclists better understand the criteria to follow. In the immediate aftermath of an accident, affected cyclists should prioritize:
- Getting a diagnosis for their injuries
- Reporting the incident to the police
- Taking photographic evidence of the accident scene
Taking each of these steps will be crucial for the claims process.
Documenting the incident and injuries
To prove the acuteness of their injuries, affected cyclists should preserve pertinent medical records, including:
- Comprehensive diagnoses
- Personalized treatments
- Prescribed medications and therapies
Cyclists should also obtain pertinent insurance information from the responsible party to file an insurance claim. If their bike is damaged, cyclists should not forget to obtain repair or replacement estimates from a certified bike shop and keep receipts of any repairs already made.
Starting the claims process
As soon as a cyclist gets involved in an accident, they should contact their insurance provider and file an insurance claim against the negligent party. The insurance claim should outline the following:
- The cyclist’s injuries
- The damages the bike sustained
- The compensation the cyclist is seeking
Affected cyclists should seek appropriate legal support when negotiating with insurance adjusters to help ensure they receive a fair amount that covers all medical expenses and other damages.
Filing a bike accident claim can be intimidating, but having a quick checklist to follow can make it more manageable. By following the right procedures and seeking appropriate legal guidance, affected cyclists can help ensure a smoother claims process.