In every community, there are cyclists and bicyclists of all types and ages. It is important for drivers to slow down any time a cyclist is on or near the roadway. Let’s face it. A bicyclist, even an experienced one, is no match for a vehicle that crashes into or cuts off the bicyclist. The result of such an incident or crash can be devastating and tragically ends of the life of far too many bicyclist. Many bicycle accidents are preventable with safer and more attention driving. Drivers should slow down and be respectful of bicyclists and cyclists. Many injured cyclists are children who lack the safety awareness and motor skills to avoid impact with a vehicle that is heading straight for the bicyclist or cuts off the bicyclist.
This leads to a question that is common in bicycle accident cases. What the value of a bicycle accident case? While this may seem like a simple question, there is no simple answer to such an question. There are a variety of factors that are considered when properly evaluating a bicycle accident case. For instance, the value of a case depends in part of the seriousness of the injuries. An abrasion to the shin that heals in a weeks is evaluated much differently that a fractured leg that requires surgery. Another factor to consider involves the amount and type of automobile insurance coverage in place. Let’s say that a cyclist is hit by a vehicle through no fault of the cyclist. The cyclist was wearing a bicycle helmet but still suffered a traumatic brain injury (TBI) that required 1 year of treatment and the bicyclist now has ongoing headaches, memory problems, and cognitive problems. One would think that this case has a significant value. Let’s assume that the at-fault driver had $1,000,000 (One Million Dollars) in insurance coverage. Then, yes, the case would have significant value and there is a good amount of insurance to cover the injuries. One could even argue that the injuries exceed $1,000,000 (One Million Dollars). For most injured bicyclists, the amount of automobile insurance coverage is much less than $1,000,000. Let’s say that there is $25,000 in coverage. Let’s further say that the case has a value from an injury standpoint of $750,000. Even though the injuries are quite significant from a medical and value standpoint, the case may utimately be resolved (for practical reasons) for the Inusrance policy limits of $25,000.
Before making any decisions as to the settlement or a resolution of a case, the injured cyclist and his or her family should have an experienced Florida Personal Injury to evaluate the case and to provide advice, guidance, and legal representation.