Laurel Bicycle Accident Lawyers

Common Injuries in Bicycle Accidents

Bicycle accidents can result in a wide range of injuries, varying in severity. Some of the most common injuries include:

• Head and Brain Injuries: Concussions and traumatic brain injuries (TBI) are some of the most serious injuries cyclists can suffer. Even with a helmet, a sudden impact can cause significant brain damage.
• Broken Bones and Fractures: It's common for cyclists to break bones, especially in the arms, legs, and collarbone, due to falls or collisions with vehicles.
• Spinal Cord Injuries: A serious fall or impact can damage the spinal cord, potentially leading to paralysis or long-term disability.
• Soft Tissue Injuries: Sprains, strains, and tears in muscles or ligaments are frequent, especially in less severe crashes.
• Road Rash and Abrasions: Sliding along the pavement after a fall can cause painful skin abrasions, often requiring medical treatment to prevent infection.
• Psychological Effects: Bicycle accidents can also have emotional and mental consequences, such as PTSD, anxiety, or depression, which can affect daily life long after physical recovery.

How Bicycle Accident Claims Work

If you’ve been injured in a bicycle accident, it’s essential to understand the process of filing a claim. Here’s a breakdown:

• Filing a Bicycle Accident Claim: The first step is to contact an attorney who specializes in bicycle accidents. They will help you navigate the process, from gathering evidence to filing paperwork.
• Personal Injury vs. Workers' Compensation Claims: If your accident happened while biking for work purposes, you might need to file a workers' compensation claim instead of a personal injury claim.
• Statute of Limitations in Maryland: In Maryland, you have up to 3 years from the date of the accident to file a bicycle accident lawsuit. It's important not to delay in seeking legal help.
• Importance of Gathering Evidence: To support your claim, gather evidence like photos of the scene, witness statements, and police reports. This can help establish fault and strengthen your case.
• Role of Expert Witnesses: In some cases, expert witnesses (such as accident reconstruction specialists) may be needed to provide testimony on how the accident happened and its impact on your injuries.

Insurance Issues in Bicycle Accident Claims

Dealing with insurance can be complicated, but understanding how it works can help you secure the compensation you deserve.

• Dealing with Your Own Auto Insurance (PIP): If you have personal injury protection (PIP) through your car insurance, it may cover medical expenses or lost wages, even if you weren’t in a car at the time.
• How Insurance Companies Evaluate Claims: Insurance companies often try to minimize payouts. They may argue that you were partly at fault, so it’s essential to have legal representation to protect your rights.
• What to Do If the At-Fault Driver’s Insurance Is Insufficient: If the driver who caused the accident doesn’t have enough insurance to cover your expenses, you may need to file a claim with your own uninsured/underinsured motorist coverage.
• Uninsured/Underinsured Motorist Coverage: If the at-fault driver has no insurance or inadequate coverage, your own insurance policy may help cover your medical bills, repair costs, and lost wages.

By understanding the injury types and claim processes, you’ll be better equipped to navigate the challenges of a bicycle accident claim.

Frequently Asked Questions About Bicycle Accident Claims

• What should I do immediately after a bicycle accident?
  • Ensure your safety by moving to a safe area, if possible.
  • Seek medical attention for any injuries, even if they seem minor.
  • Call the police to report the accident and obtain a report.
  • Take photos of the accident scene, vehicle damage, and injuries.
  • Gather contact information from witnesses and the at-fault driver.
• How can a lawyer help with my bicycle accident claim?
  • A lawyer can help you understand your rights and legal options.
  • They will gather evidence, including witness statements and expert testimonies.
  • Your lawyer will negotiate with insurance companies to ensure you receive fair compensation.
  • They can represent you in court if a settlement isn’t reached.
• Will my insurance cover my injuries in a bicycle accident?
  • If you have personal injury protection (PIP) insurance through your auto policy, it may cover medical expenses and lost wages.
  • If the at-fault driver has no insurance or insufficient coverage, your own uninsured/underinsured motorist coverage may apply.
• What if the driver who hit me doesn’t have insurance?
  • If the at-fault driver is uninsured, you may file a claim with your own uninsured motorist coverage.
  • If you don't have this coverage, you might pursue a lawsuit against the driver or seek other forms of compensation.
• Can I still file a claim if I wasn’t wearing a helmet?
  Yes, you can still file a claim, but not wearing a helmet may affect the outcome. Maryland law doesn’t require adult cyclists to wear helmets, but it could be considered in determining fault or the severity of your injuries.
• How long do I have to file a bicycle accident lawsuit?
  In Maryland, you have three years from the date of the accident to file a lawsuit. However, it’s important to contact a lawyer as soon as possible to ensure evidence is preserved and your claim is handled promptly.
• What if I’m partially at fault for the accident?
  Maryland follows the doctrine of comparative negligence, meaning if you are partially at fault, your compensation will be reduced based on your percentage of fault. A skilled attorney can help minimize your liability and protect your compensation.