The Insurance Claims Process After a Bicycle Accident

Understanding the insurance claims process helps you navigate it effectively. Here's what to expect from start to finish.

Step 1: Report the Accident

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To Driver's Insurance

• Call their insurance company

• Provide basic facts only

• Don't give recorded statement without attorney

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To Your Insurance

• Report promptly as required by policy

• UM/UIM and MedPay claims

• May affect your rates (but coverage helps)

Step 2: Initial Investigation

The insurance company will:

• Take statements (be cautious)

• Review police report

• Assess liability

• Send adjuster if needed

Step 3: Medical Treatment

- Complete your treatment

• Reach Maximum Medical Improvement (MMI)

• Gather all medical records

• Track all expenses

Step 4: Demand Package

You or your attorney sends:

• Liability analysis

• Medical records and bills

• Lost wage documentation

• Pain and suffering narrative

• Specific demand amount

Step 5: Negotiation

Insurance company responds (usually low).

Negotiation follows:

• Counter-offers

• Supporting arguments

• Mediation (sometimes)

Step 6: Resolution

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Settlement

• Agree on amount

• Sign release

• Receive payment (weeks)

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Litigation

• File lawsuit if no agreement

• Discovery and trial process

• Potential settlement during litigation

Timeline

- Simple cases: 3-6 months

• Complex cases: 1-3 years

• Litigation: 2-4 years

Working with an Adjuster

Remember:

• They work for insurance company

• Their goal is paying less

• Be polite but cautious

• Document all communications