Does Auto Insurance Cover a Bicycle Accident in Colorado? What Every Cyclist Needs to Know
By Michael M. Clawson, Colorado Personal Injury Lawyer
Bicycling is a popular way to get around Colorado Springs, but accidents happen—and when they do, questions about insurance coverage quickly come up. Many cyclists wonder: “If a car hits me, does their insurance cover my injuries?” The short answer is yes, but it depends on the circumstances and the type of coverage. Understanding how insurance works can help you protect yourself.
When a Car Hits a Cyclist
If a driver strikes a bicyclist, the driver’s liability coverage usually pays for medical bills, lost wages, and property damage. Colorado law requires drivers to carry minimum liability insurance ($25,000 per person / $50,000 per accident for bodily injury, $15,000 for property damage). In serious crashes, these limits may not cover all expenses.
For example, one client was riding near Powers Boulevard when a car ran a red light and hit them. The driver’s insurance covered the immediate medical bills, but long-term therapy and lost work were at risk. That’s where a Colorado bike accident lawyer or Colorado personal injury attorney stepped in to secure additional compensation through the at-fault driver’s policy.
Uninsured or Underinsured Drivers
Sometimes the driver at fault has little or no insurance. In Colorado, uninsured/underinsured motorist coverage (UM/UIM) on your own auto policy can help cover medical costs. This type of coverage ensures you aren’t left paying out-of-pocket for serious injuries caused by an uninsured driver.
When the Cyclist May Be at Fault
Accidents aren’t always one-sided. If the bicyclist contributed to the crash—for instance, running a stop sign—liability may be shared under Colorado’s comparative negligence law. Even then, a portion of the damages may still be recoverable. Legal guidance from a Colorado bike accident lawyer is essential to protect your rights.
Other Insurance Options
- Medical Payments (MedPay) or Personal Injury Protection (PIP): Some auto policies include coverage that pays for medical bills regardless of fault.
- Homeowner’s or renter’s insurance: May cover liability if a cyclist causes injury to someone else or damages their property.
These coverages vary by policy and insurer, so reading the fine print is critical.
Why Legal Help Matters
Insurance companies often try to minimize payouts, especially in bicycle accidents. They may argue the cyclist was partially responsible or that injuries aren’t severe. A Colorado bike accident lawyer or Colorado personal injury attorney can review your case, gather evidence, and negotiate with insurers to maximize your compensation.
Protect Yourself After a Bicycle Accident
- Call 911 and seek medical care immediately.
- Document the scene with photos, videos, and witness contact info.
- Report the accident to your insurance company.
- Contact an experienced Colorado bike accident lawyer before speaking to the at-fault driver’s insurer.
Bicycle accidents can have serious, long-term consequences. If you’ve been hit by a car in Colorado Springs, don’t leave your recovery to chance. Contact our office today to speak with a Colorado bike accident lawyer who can help you get the compensation you deserve.
At Clawson & Clawson, we’ve helped clients across Colorado Springs, Pueblo, and Denver recover millions in compensation — and we’re ready to fight for you.
Call us today at 719-634-1848 for a free consultation. We’ll explain your rights, deal with the insurance companies, and help you get the care you need without financial stress.
We don’t get paid unless we win for you.
Michael M. Clawson | Colorado Personal Injury Attorney
Colorado Springs Office: (719) 634-1848
Denver Metro & Front Range Office: (303) 805-9853
Email: Michael@clawsonattorney.com
Legal Disclaimer- This article is for informational purposes only and does not constitute legal advice. Reading this content or contacting the attorney does not create an attorney-client relationship. Legal decisions and outcomes depend on the specific facts of each case. Colorado laws may change, and you should consult a licensed attorney for advice tailored to your circumstances. No guarantee is made regarding the accuracy or completeness of the information provided.