Bicycle Commuter Accidents: Work-Related Cycling Injuries

Bicycle commuting is growing rapidly, and so are commuter accidents. Injuries during your commute raise unique legal questions about workers' compensation and liability.

Is Your Commute Covered by Workers' Comp?

#

General Rule The "coming and going" rule excludes normal commutes from workers' comp coverage.

#

Exceptions Coverage may apply if:

• You were performing a work task during commute

• Employer provides the bike or requires cycling

• You were on a special mission for employer

• Commute is part of job duties

Employer Bike Programs

If your employer provides:

• Bike fleet or bike share membership

• Bike parking or maintenance

• Financial incentives for cycling

...they may have some liability for commuter accidents. Consult an attorney about your specific situation.

Third-Party Claims

Even if workers' comp doesn't apply, you can sue:

• The driver who hit you

• City for road defects

• Others responsible for your injuries

Bike-to-Work Day Accidents

Special events sponsored by employers may trigger workers' comp coverage. Document employer involvement.

Documentation for Commuter Accidents

- Your normal commute route

• Any work tasks during ride

• Employer bike policies

• Whether you were on the clock