If you're involved in a bicycle accident, it's crucial to act quickly and carefully. First, call 911 and request police and emergency medical services. This ensures that the scene is properly documented and that you receive any necessary medical attention. After calling for help, avoid talking to anyone about the crash—especially the other driver or their insurance company. Anything you say could be used against you later.
However, don’t stay completely silent. If a police officer arrives, provide them with your version of events, along with your name and contact information. Be clear and factual. For example, if you tell a witness, "I didn’t see the car before it hit me," the insurance company might interpret that as "I wasn’t paying attention." That’s why it's important to be careful with your words.
Don’t assume the police will automatically prepare an accident report. These reports are only created if the police investigate the incident, and procedures can vary by jurisdiction. If one is made, make sure it accurately reflects what happened.
Next, gather contact information from any witnesses. If you’re injured and can't do it yourself, ask someone else to help. In one case I witnessed, a cyclist was hit by a car, and the driver admitted to running a red light. A witness provided their contact details, which later helped confirm the truth when the stories of the two parties differed. Always document witness information and keep it safe.
There are laws in most states that require drivers to pass cyclists at a safe distance and exercise caution. If a driver hits you, they may have broken these laws. Let the police know you're aware of these rules and that the driver should be held accountable.
After the accident, ask the officer for a copy of the accident report and ensure the details are correct. If you plan to file a claim with the driver’s insurance, don’t speak to them directly before consulting a lawyer. Insurance companies often try to minimize payouts, so it’s best to get legal advice first.
Here’s a quick checklist to follow after a bike accident:
- Call 911 and request police and EMS
- Gather witness information
- Ask the police to write the driver a ticket
- Take photos of the car, bike, and the scene
- Get the car’s license plate number
- Do not make statements to anyone except the police
- Consult with an attorney before speaking to the insurance company
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