When involved in a bicycle accident, the first and most important step is to call 911 immediately and request both police and emergency medical services. This ensures that the scene is properly documented and that you receive any necessary medical attention. Once help has arrived, it's crucial to avoid speaking with anyone about the incident—especially the other driver or their insurance company. Anything you say could be used against you later.
However, this doesn’t mean you should stay completely silent. If a police officer is on the scene, provide them with your full account of what happened, along with your name and contact information. Be clear, concise, and stick to the facts. For example, if you tell a witness, “I didn’t see the car before it hit me,†the insurance company may interpret that as “I wasn’t paying attention.†Always be mindful of how your words might be taken.
It’s also important to understand that not every police department prepares an official accident report. These reports are typically only created if the officer investigates the crash, and policies vary by jurisdiction. If one is made, make sure it accurately reflects the events as you witnessed them.
Next, gather contact information from all involved parties, including drivers, witnesses, and any police officers present. If you're injured and unable to do so yourself, ask someone else to help. In one case I witnessed, a cyclist was hit by a car. The driver admitted running a red light, but the cyclist hesitated to take the witness’s contact details. Later, when the police needed more information, the witness provided their version, which helped correct the driver’s false statement. Always document and preserve witness details.
Additionally, remember that many states have specific laws requiring drivers to pass cyclists safely and give proper warnings. If the driver hit you, they may have violated these laws. Let the police know you’re aware of these regulations and why the driver should be held accountable.
After the crash, ask the officer for a copy of the accident report and confirm that it includes accurate details. You may need this for insurance claims or legal purposes. If you plan to file a claim with the driver’s insurance company, do not speak to them before consulting with an attorney. Insurance companies often try to minimize payouts, so it’s best to seek legal advice first.
Here’s a quick checklist to follow after an accident:
- Call 911 and request police and EMS
- Gather witness information
- Ask the police to write the driver a ticket
- Take pictures 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 with the insurance company
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