Property Insurance Simpson County Ky

The Explainer: When and if to sign that waiver

My experience is luckily past, but I was hit by a car a year-and-a-half ago. The driver was ticketed by the police, but I can’t quite remember what the ticket was. It did make it clear he was at fault. He was a working Joe that just wasn’t watching out for bikes.

I didn’t want to sue and he had the minimum amount of insurance. I had considerable hospital bills, and even though I had health insurance I wasn’t sure they would cover the bills. I felt like the driver’s insurance, and my health and car insurance were all trying to make sure they spent the least money possible. Since I wasn’t going to sue, lawyers weren’t interested in talking to me. In the end, my health insurance covered the bills and the driver’s insurance and mine did pay out.

I wondered, however, if I was making a mistake by signing the insurance forms releasing them from liability. But it seemed the only recourse if I wasn’t going to sue. If I had come to you, what advice would you have given? Do you have general advice to follow after one has been hit by a car?

Many thanks for any advice. Unfortunately it seems that advice on this subject would benefit a great many cyclists. advice and even though I am an attorney this in no way should be interpreted as a recommendation from a lawyer handling your case. (Yeah, yeah, it’s a standard disclaimer, but I really do mean it.)

I will assume that by “the minimum amount of insurance” you mean the the mandated liability coverage required by the state. In California, for example, the state requires a only minimum of $15,000 for injury/death to one person; $30,000 for injury/death to more than one person and $5,000 for damage to property. In your state of Texas, the numbers are slightly higher, but still just $30,000, $60,000 and $25,000. It’s a good thing that you have your medical insurance, since a serious injury can most certainly hit those policy limits pretty quickly.

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