Should You Call the Police After a Bike Wreck?
Riding a bicycle can be a wonderful way to see the world and get some exercise, but it comes with inherent risks. In recent years, total bicyclist and pedestrian deaths have contributed to approximately 20 percent of traffic fatalities. Since bicycles are much smaller than traditional vehicles, passenger car and commercial vehicle drivers are less likely to see them in dense traffic. Taking into account the size difference and vulnerability of bicyclists, catastrophic injuries often occur.
If you have been struck while cycling, it is recommended that you contact the police immediately. At Raybin & Weissman, our Nashville bicycle accident attorneys are dedicated to helping individuals navigate the insurance claims process to recoup lost wages, medical bills, and any other accident-incurred expenses.
Why You Should Call For Emergency Help
Following a bike wreck, the first call that should be made should be to 911. The 911 operator will dispatch a police officer and ambulatory services (if anyone is injured). The responding officer will document important details, including the date, time, and location of the accident, the full names of anyone involved, injuries, property damage, and weather and road conditions. Additionally, the officer will provide a diagram of the accident and who they believe is at fault. Insurance companies often require a police report following an accident, so if you plan on filing an insurance claim (which you should!), it is best that you call for help.
Tennessee Law Regarding Leaving an Accident Scene
Tennessee law requires that anyone involved in a traffic accident contact law enforcement if there are any injuries, fatalities, or more than $50 in property damage. Even if you are injured and choose to leave the scene, you risk having your claim being denied.
Furthermore, leaving the scene of an accident can result in criminal charges. Leaving the accident scene without waiting for law enforcement or offering others medical assistance (known as a hit-and-run) will only do more harm than good. By waiting for the police, the severity of your injuries and bicycle damage will be recorded, preserving your right to compensation.
Contact Your Insurance Company
Tennessee is an at-fault state, so you are allowed to seek reimbursement for your injuries and damage to your bike through the at-fault driver’s insurance company (known as making a third-party claim). Tennessee law requires drivers to carry $25,000 for each injury or fatality per accident, $50,000 for total injuries or fatalities per accident, and $25,000 in property damage per accident. The amount you can recover will depend on whether you share any liability and your damages (losses).
Following your accident, you should contact your auto insurance company since you are more likely to get your medical expenses covered in a timely manner. This is especially true if the fault is being disputed. Once your claim is approved, you can always seek reimbursement through the driver’s insurer.
Do I Need to Hire a Bicycle Attorney if I Only Sustained Minor Injuries?
While you may consider skipping representation in a minor bike accident, it is unwise. Cyclists who do sustain minor injuries can rack up thousands of dollars in medical bills, which can easily create financial hardship. As an injured party, you may feel that you have nothing to hide from the insurance company. However, claims adjusters are known for twisting an accident victim’s words in an effort to pay as little as possible. In hiring counsel, you have someone who will be a liaison between you and insurance, advocating for the compensation that is rightfully yours.
Speak with Our Nashville Bicycle Accident Lawyers Today
If you have recently been injured in a bike wreck, the legal team at Raybin & Weissman is here to offer you support. With over 100 years of combined trial experience and 40 years in business, our Nashville bicycle accident attorneys know the best course of action to resolve your legal issue quickly and successfully. To get started, contact us online or give us a call at (615) 256-6666 to arrange your free, no-risk consultation with our team of legal professionals.