Our practice is committed to helping cyclists throughout Florida recover after being injured in an unexpected crash with a vehicle. Part of our mission is to educate cyclists about the coverage they need on their own auto policy to protect them from drivers who have no insurance or insurance that is not enough to cover all the damage they cause in a crash. Remember, Florida law does not require drivers to carry bodily injury liability coverage. Despite our efforts to spread the word and encourage cyclists to update their auto policy, we continue to receive calls from riders who have been seriously injured in a crash only to find they never purchased uninsured motorist coverage (UM) on their own auto policy.
UM will Cover Your Injuries in a Florida Cycling Crash
For example, we recently were called by a very experienced rider who was injured when a driver ran a stop sign and cut him off. His crash resulted in pelvic fractures of both hips along with other injuries. Pelvic fractures typically don’t require surgery, but they do require being non-weight bearing for 30 to 90 days. That means no walking. Since his injury affected both sides of his hip, he was unable to walk and bear weight for weeks. This meant he was out of work the entire time.
Unfortunately, the driver had no bodily injury liability insurance; that’s right, none. Our cyclist had been with his insurance company for years, but had never been told of the critical need to have UM on his policy. He never knew UM steps in to pay when the driver isn’t insured. Had he known, he could have protected himself by just updating his policy with UM. Since he was injured in a crash involving a vehicle, UM would have paid him for his pain and suffering, his out of pocket medical bills and his lost wages for the weeks he was off work.
Florida Cyclists Should Not Get on Their Bike Without Uninsured Motorist Coverage
Jim’s advice is never leave home on your bike without $100,000 in UM coverage; $250, 000 is better. Talk to your insurance company about buying the most UM on your auto policy that you can afford. No one we have ever represented in a crash regretted having UM; plenty have regretted not having it. We are tired of having to tell nice people who call us from all over Florida there is nothing we can do to help them because the driver who hit them was uninsured and they had no UM.