When it comes to car accidents, most people tend to think of two cars colliding. However, according to the Kentucky Transportation Cabinet’s Traffic Collision Facts 2021 Report, 330 motor vehicle accidents involving bicycles occurred in 2021.
But can a bicycle rider be at fault in such cases? Moreover, what happens if the bicycle rider does not have insurance? Staying informed about bicycle regulations will help you be prepared if you are in an accident.
Rules of the road apply to all
Traffic laws apply to everyone on the road, including cyclists. This means stopping at stop signs, obeying traffic lights and using hand signals. If disregard for these laws leads to a car crash, a judge may find the bicycle rider at fault.
Negligence plays a role
If cyclists act negligently or carelessly, causing a collision with a motor vehicle, then the wreck may be their fault. For instance, if a rider suddenly swerves into the path of a car without warning or fails to yield when required, these actions could constitute negligence.
Safety is a personal priority
Bicycle riders are responsible for their own personal safety on the road. This includes wearing helmets and reflective clothing, especially during low-light conditions. If cyclists fail to follow these safety measures and their lack of visibility contributes to a crash, they are potentially at fault.
Personal liability is not something people routinely consider before going on a bicycle ride. So, what happens if a bike rider who does not have insurance causes a motor vehicle accident? In such cases, the car owner’s policy will likely cover the driver’s damages and injuries. The insurance company may subsequently attempt to recover the costs from the cyclist.
Whether an individual’s preferred mode of transportation has two wheels or four, all drivers should consider the consequences of unsafe and underinsured behaviors.