# Will Car Insurance Cover a Bike Accident? | Attorney Brian White **Table of Contents***[*Expand*]* 1. The Driver’s Insurance Company 2. Your Vehicle Insurance Company 3. Other Potential Means of Recovery 4. Contact the Houston Bicycle Accident Lawyers at Attorney Brian White Personal Injury Lawyers For Help In 2016, [65 bicyclists died](https://ftp.txdot.gov/pub/txdot-info/trf/crash_statistics/2016/01.pdf) on Texas’ roadways. This was a 25% increase from 2015. Hundreds more bicyclists in [Texas](https://www.texas.gov/) suffered injuries and had to go to the hospital for collision-related harms. When a [bicycle crashes](https://attorneybrianwhite.com/houston-tx/bicycle-accident-lawyer/) into a motor vehicle, other bicycle, or stationary object, the rider can suffer serious injuries. Fractures, head and [brain injuries](https://attorneybrianwhite.com/houston-tx/brain-injury-lawyer/), and [road rash](https://attorneybrianwhite.com/blog/facts-about-road-rash/) are common bike accident injuries. Learn your options for recovery after this type of accident in Texas. ## The Driver’s Insurance Company If a driver struck you while riding your bicycle and you were not at fault, you can most likely recover the costs of your damages from his or her insurance company. Gather the driver’s name, contact information, and info about the vehicle insurer. Call the insurance company and report your accident. In most cases, after the insurance investigation, the driver’s company will offer you a settlement to cover medical expenses, [property damage](https://attorneybrianwhite.com/blog/property-damage/), and other losses. Document your accident and subsequent injuries/property damage in detail to maximize your chance of recovering through the driver’s insurer. You will have to describe the accident and answer questions. There is a chance that the insurance company will deny your claim, alleging that you were at fault or giving you no reason at all. If this is the case, but you believe you were not at fault, retain an attorney. You may have a [bad faith insurance](https://attorneybrianwhite.com/houston-tx/insurance-bad-faith-lawyer/) claim. For a legal consultation call [(713) 500-5000](tel:+17135005000) ## Your Vehicle Insurance Company You may be able to recover through your own vehicle insurance company in some circumstances. Check your car insurance policy to see if you have [personal injury protection](https://attorneybrianwhite.com/faqs/what-is-pip/) (PIP) coverage. This type of coverage, sometimes called “Med-Pay,” will almost always cover a bicycle accident, even if you were in a single-bicycle crash. Talk with your insurer to find out if you have PIP coverage, and if it will apply in your particular bicycle collision. You may also seek recovery through your car insurer if a driver hits you and runs, or if a driver doesn’t have adequate insurance to cover your damages. This type of coverage will show up as “[uninsured or underinsured motorist](https://www.dmv.org/tips-for-handling-a-hit-and-run-driver-claim.php)” (UM/UIM) on your policy. Your vehicle insurance policy should cover your collision as long as the other vehicle involved was a motor vehicle, even if the driver takes off. ## Other Potential Means of Recovery If neither car insurance company will authorize coverage of your bicycle accident injury, you may be able to pursue compensation through a personal injury claim instead. For this to work, the crash must have been the result of someone else’s [negligence](https://attorneybrianwhite.com/faqs/what-is-negligence/). For example, you may have a claim against a [distracted driver](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/distracted-driving/) if he or she was texting and didn’t see you in the crosswalk. If someone else is responsible for your bike crash in Texas, speak to a personal injury attorney. Prompt filing can help you meet the deadline and maximize your chances of recovery. Get help from an attorney to file a civil claim regarding a recent [bicycle collision in Texas](https://attorneybrianwhite.com/houston-tx/bicycle-accident-lawyer/). You may have suffered severe injuries on top of totaling an expensive bike. A lawsuit can help you recover any and all losses, including medical bills, property damage, lost wages from missing time at work, and [pain and suffering](https://attorneybrianwhite.com/faqs/how-are-pain-and-suffering-damages-calculated/). Most personal injury lawyers work on a [contingency fee](https://attorneybrianwhite.com/resources/contingency-fee/) basis, so you don’t pay a fee unless you win. [Click to contact](/contact-us/) us today ## Contact the Houston Bicycle Accident Lawyers at Attorney Brian White Personal Injury Lawyers For Help Our offices Houston — Greenway/Upper Kirby 3120 Southwest Freeway, Suite 350 Houston, TX 77098 Open 24 hours daily Call [(713) 364-1466](tel:+17133641466) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%203120%20Southwest%20Freeway%2C%20Suite%20350%2C%20Houston%2C%20TX%2077098) Houston — East Freeway 11811 East Freeway, Suite 630-06 Houston, TX 77029 Open 24 hours daily Call [(713) 609-1893](tel:+17136091893) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011811%20East%20Freeway%2C%20Suite%20630-06%2C%20Houston%2C%20TX%2077029) Houston — South Loop 2600 South Loop West, Suite 293 Houston, TX 77054 Open 24 hours daily Call [(713) 281-4904](tel:+17132814904) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%202600%20South%20Loop%20West%2C%20Suite%20293%2C%20Houston%2C%20TX%2077054) Houston — Katy Freeway 11511 Katy Fwy, Suite 515 Houston, TX 77079 Open 24 hours daily Call [(713) 909-7537](tel:+17139097537) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%2011511%20Katy%20Fwy%2C%20Suite%20515%2C%20Houston%2C%20TX%2077079) Houston — Clear Lake 1300 Bay Area Blvd, Suite B268 Houston, TX 77058 By appointment only Call [(936) 508-2854](tel:+19365082854) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201300%20Bay%20Area%20Blvd%2C%20Suite%20B268%2C%20Houston%2C%20TX%2077058) The Woodlands 1776 Woodstead Ct, Ste. 203 The Woodlands, TX 77380 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%201776%20Woodstead%20Ct%2C%20Ste.%20203%2C%20The%20Woodlands%2C%20TX%2077380) Champion Forest (Cypress) 4606 FM 1960 Rd W, Ste. 444 Houston, TX 77069 By appointment only Call [(281) 843-9777](tel:+12818439777) [Directions](https://www.google.com/maps/dir/?api=1&destination=Attorney%20Brian%20White%20Personal%20Injury%20Lawyers%2C%204606%20FM%201960%20Rd%20W%2C%20Ste.%20444%2C%20Houston%2C%20TX%2077069) --- ### About the Author Brian White ![About the Author Brian White](https://attorneybrianwhite.com/wp-content/uploads/2024/12/brian-white-houston-personal-injury-lawyer-300x300.jpg) [Brian White](https://attorneybrianwhite.com/about/our-attorneys/brian-white/) earned his J.D. from South Texas College of Law in Houston and is licensed to practice in Texas. He is a [Board-Certified](https://attorneybrianwhite.com/resources/brian-white-is-board-certified-in-personal-injury-trial-law/) Personal Injury Trial Lawyer. Dedicated to giving back, he actively supports local charities and [community initiatives](https://attorneybrianwhite.com/about/community-involvement/). [Client testimonials](https://attorneybrianwhite.com/about/testimonials/) highlight Brian’s compassion, open communication, and dedication to achieving the best outcomes for those he represents. [Avvo](https://www.avvo.com/attorneys/77098-tx-brian-white-74113.html) / [Justia](https://lawyers.justia.com/lawyer/brian-elliott-white-201630) / [Linkedin](https://www.linkedin.com/in/attorney-brian-white-378410166) Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Bicycle Accidents Blog Posts: [![The Most Common Bike Accident Injuries](https://attorneybrianwhite.com/wp-content/uploads/2024/01/The-Most-Common-Bike-Accident-Injuries-300x202.jpg)](https://attorneybrianwhite.com/blog/the-most-common-bike-accident-injuries/) [The Most Common Bike Accident Injuries](https://attorneybrianwhite.com/blog/the-most-common-bike-accident-injuries/) When you head out to the park or opt to cycle for your morning commute, the last thing you expect is for a reckless [![Houston Texas Lawyer](https://attorneybrianwhite.com/wp-content/uploads/2020/11/10-Important-Bicycle-Laws-in-Texas-300x177.jpg)](https://attorneybrianwhite.com/blog/10-important-bicycle-laws-in-texas/) [10 Important Bicycle Laws in Texas](https://attorneybrianwhite.com/blog/10-important-bicycle-laws-in-texas/) It is important for bicyclists to know the law. State laws regarding cyclists vary, so it is important to know the [![Suffering a Ruptured Spleen in a Bike Accident Is Serious](https://attorneybrianwhite.com/wp-content/uploads/2022/07/Suffering-a-Ruptured-Spleen-in-a-Bike-Accident-Is-Serious-300x200.jpg)](https://attorneybrianwhite.com/blog/suffering-a-ruptured-spleen-in-a-bike-accident-is-serious/) [Suffering a Ruptured Spleen in a Bike Accident Is Serious](https://attorneybrianwhite.com/blog/suffering-a-ruptured-spleen-in-a-bike-accident-is-serious/) Many individuals use bicycles as a form of transportation or for recreation or exercise. Unfortunately, there are [![Houston Texas Lawyer](https://attorneybrianwhite.com/wp-content/uploads/2020/07/Bike-wheels-close-up-image-on-asphalt-sunset-road-648774090_1335x789-1-300x177.jpeg)](https://attorneybrianwhite.com/blog/all-the-bicycle-laws-you-need-to-know-in-houston/) [All the Bicycle Laws You Need to Know in Houston](https://attorneybrianwhite.com/blog/all-the-bicycle-laws-you-need-to-know-in-houston/) In 2016, Houston recorded seven pedal cyclist fatalities. The state of Texas had the third-highest number of pedal --- Source: https://attorneybrianwhite.com/faqs/will-car-insurance-cover-a-bike-accident/