5720 LBJ Freeway, Ste 575, How to Deal with Insurance Companies After a Bicycle Crash
Cyclists often get the short end of the stick after a crash. Insurance companies work fast to limit their exposure, while you might be dealing with serious injuries, bike damage, and trauma. Knowing how to navigate the claims process protects your rights and helps maximize your compensation.
Document Everything at the Scene
Accurate documentation builds the foundation of your claim. Take photos of your injuries, your bicycle, the vehicle involved, the license plate, and road conditions. Get the police report number and ask for a copy as soon as it’s available. If you speak to the driver or witnesses, ask for their contact info and write down their statements in detail.
Avoid Early Contact with the Insurance Adjuster
Most insurers assign an adjuster to call you within 24–48 hours of the crash. Their job is not to help you—it’s to reduce the amount their company pays. Don’t give a recorded statement. Don’t speculate about what happened. Don’t say you feel fine, even if you think your injuries are minor. Always consult with a bicycle crash attorney before you engage with the insurance company.
Understand What Damages You Can Claim
A proper claim goes beyond ER visits and hospital bills. A skilled bike injury lawyer includes:
- Emergency care, surgery, rehabilitation, and physical therapy
- Ongoing treatment or medical equipment
- Lost wages or reduced earning capacity
- Pain and suffering
- Damage to your carbon frame, wheels, components, and accessories
- Emotional distress or PTSD
Your claim should reflect the full impact of the crash—not just a few bills.
Use a Cyclist-Specific Attorney to Your Advantage
Most attorneys don’t know the true cost of repairing or replacing a $10,000+ carbon road bike. They don’t understand gruppos, custom upgrades, or how a minor crack in carbon renders a frame unsafe. A cycling accident lawyer who actually rides—like the one at Cyclist at Law—has the credibility and technical understanding to negotiate fair compensation.
Watch for Common Insurance Tactics
Insurance companies use predictable strategies to lower your payout:
- Shifting blame to you by citing minor traffic errors
- Diminishing injuries by referencing gaps in treatment
- Delaying the claim to frustrate and pressure you into settling
- Undervaluing your bike, especially if it’s customized
Recognizing these tactics early helps you stay ahead.
File a PIP Claim Through Your Own Auto Insurance
Texas cyclists may be covered under their own Personal Injury Protection (PIP) if they own an auto policy. This coverage pays for medical bills and lost wages—regardless of who was at fault. A bicycle accident attorney can help you file this claim properly while still pursuing the driver’s insurance.
Track Every Cost, Even the Small Ones
Track expenses related to your crash in a dedicated file. Include:
- Receipts for medical co-pays or medications
- Repair estimates or receipts for your bike
- Parking or transportation costs for medical visits
- Mileage driven to and from appointments
Your final demand package should contain every dollar you spent.
Wait to Settle Until You Reach Maximum Medical Improvement
Settling too soon locks you into a number that may not cover long-term care or complications. Wait until your doctor confirms that you’ve reached maximum medical improvement (MMI). Your lawyer can then calculate total damages based on your recovery status.
Get Legal Representation Before You Talk Settlement
Insurance companies often offer quick, lowball settlements to get out cheap. Don’t accept without legal review. An experienced bike accident lawyer in Dallas, TX negotiates based on facts, data, and precedent—not emotions. That usually results in a significantly higher recovery.
Call Cyclist at Law for Proven Advocacy
Insurance companies know which lawyers actually go to trial. That matters. Cyclist at Law handles everything—gathering records, filing PIP, negotiating property damage, and recovering full compensation. You deal with one person, not a legal assistant or a call center. You get the insight of someone who understands the law and the life of a cyclist. Call 800-887-6188 & 972-392-1249 today for a free consultation with a dedicated bike accident attorney.