Uninsured Motorist Hits Your Bicycle or Golf Cart…Now What?
What happens if you are hit by a car while operating a bicycle or golf cart and the at-fault party does not have auto insurance? How do your medical bills and lost wages get paid? How do you recover for your pain and suffering? What should you do to protect yourself in a bicycle or golf cart accident?
1. If you own a motor vehicle, it is extremely important to have uninsured motorist coverage with stacking coverage. This coverage takes the place of liability coverage for the at-fault driver, if uninsured or underinsured, and provides you with an ability to make a recovery for outstanding medical bills, lost wages, pain and suffering and other damages.
2. Make sure you have health insurance such as Blue Cross, Aetna, United Healthcare, or governmental coverage such as Medicare, Medicaid, or through the Affordable Care Act. These insurers and providers can provide payments for medical bills for a bicycle or golf cart accident.
3. Ask your employer if you are or can be covered under a short-term or long-term disability insurance policy. If not, consider purchasing one.
4. Purchase special insurance for bicycles or golf carts. Such policies may cover medical bills or injuries arising from a crash, and may also provide coverage for the damage to your bike or golf cart.
5. Finally, your homeowner’s policy may provide coverage to you if involved in a bicycle or golf cart accident. This coverage may be primary or supplemental, so it is important to have a copy of your homeowner’s policy for an attorney to review in case you are involved in an accident.