I know you don’t expect to be hit by a vehicle, but read this just in case you find yourself in a cycling accident in Florida:
1. Call the Police
Never let the driver convince you they will pay for your bike without calling the police. Unless your medical condition is too serious, wait for them to arrive at the scene and make their report. Cooperate with the officer and carefully describe what happened. You have no obligation to accept responsibility even if you think you might have some fault. Remember they don’t all like cyclists and may assume you were at fault.
2. See a Doctor
If you don’t go to the Emergency Room you must see a doctor within 14 days. You may lose important medical benefits under your auto No Fault policy if you are not treated at the scene by a paramedic, go to the ER or see a physician within 14 days in Florida.
3. Collect Contact Information
Get contact information about the driver and any witnesses. This is very important. Police often miss getting complete contact information of eye witnesses. Get all the information available about the vehicle and the driver.
4. Document Evidence
Photograph the scene. The location of the vehicle, your gear on the road, as well as scrapes or marks on the pavement, on your bike or the vehicle are very important. Get photos of the impact area. Most police really do a poor job of this and believe me it’s critical.
Also be sure to save your bike and any damaged gear.
5. Do Not Give a Statement
Don’t give a statement of how the accident happened to the driver’s insurance company until you talk with your lawyer. If they call, be nice, just get their contact information and tell them you’ll call them back at a more convenient time.
6. Contact Your Insurance Company
Notify your insurance company. Let them know what happened. Get a claim number from them to use when you see a doctor for accident related medical treatment. Remember, even when the driver is completely at fault your No Fault (medical) benefits under your auto policy will pay up to $10,000 of your medical bills.