West Union Personal Injury Attorneys

Life can be suddenly disrupted by accidents and injuries. During these tough moments, personal injury lawyers are crucial. They advocate for those harmed by others' negligence, ensuring they get the compensation they deserve. This article delves into the significant role personal injury lawyers play in helping individuals navigate their claims and rebuild their lives.

Comprehensive Guide to Bicycle Accident Claims and Legal Options in Iowa

Bicycle accidents, particularly hit-and-run incidents, can be devastating, both physically and emotionally. This guide will provide you with detailed information on how to navigate the aftermath of such accidents, including finding the responsible driver, obtaining compensation, and dealing with insurance companies.

Hit-and-Run Bicycle Accidents: Finding the Responsible Driver

National Statistics and Challenges

Hit-and-run bicycle accidents are unfortunately common. According to national statistics, over 800 pedalcyclists died in accidents in 2015. Many drivers, often due to fear of reprisal or legal consequences, flee the scene, making it challenging for bicyclists to recover financial damages.

Steps to Identify the Driver

If you were hurt by a hit-and-run driver, all is not lost. Here are some steps that can help identify the driver:
- Law Enforcement: Law enforcement agencies can use traffic or surveillance camera footage and eyewitness testimonies to identify the driver.
- Media Coverage: Contacting local news stations to cover your story can prompt viewers to provide tips to law enforcement.
- Witnesses: Collect as much information as possible from witnesses at the scene.

Once the driver is identified, they will face criminal charges, and you can file a claim with their insurer or sue them directly.

Obtaining Compensation after a Hit-and-Run Bike Accident

Insurance Claims

If the driver is identified or remains at the scene, you can file a claim with their insurance company. If the driver flees and is not found, your damages may be covered under your auto insurance policy’s uninsured/underinsured motorist coverage (UM/UIM).

Uninsured/Underinsured Motorist Coverage

UM/UIM coverage can compensate you if:
- The driver does not have insurance.
- The driver lacks sufficient insurance to cover your damages.
- The driver flees the scene.

In Iowa, UM/UIM coverage is optional. If you carry it, the minimum coverage is $20,000 per person and $40,000 per accident. Check with your insurance agent to determine your coverage details.

Preventing Bicycle Accidents in Iowa

Common Types of Bicycle Accidents and Prevention Tips

Understanding common accident types can help you avoid them:

1. Right Hook Accident
   - Description: Occurs when a car making a right-hand turn cuts off a cyclist.
   - Prevention: Position yourself slightly in front of vehicles at red lights and stop signs. Never pass a vehicle on the right.

2. Dooring Accident
   - Description: Happens when a parked car’s door opens into a cyclist’s path.
   - Prevention: Use bike lanes where available, stay alert for parked cars, and slow down when approaching them.

3. Vehicle Turning Left
   - Description: A left-turning vehicle collides with a cyclist going straight.
   - Prevention: Use lights and wear bright colors to increase visibility. Make eye contact with drivers before proceeding through intersections.

4. Failure to Yield
   - Description: Cyclists misjudge an oncoming car’s speed or distance and fail to yield.
   - Prevention: Exercise caution and ensure you have the right of way before entering intersections.

Dealing with Insurance Company Settlements

Accepting a Settlement Offer

You are not obligated to accept an insurance company’s settlement offer. Consider the following:
- Injury Severity: Minor injuries may not require an attorney, but severe injuries often do.
- Subrogation: Understand who will reimburse your medical bills.
- Statute of Limitations: Ensure you act within the legal time frame to avoid losing your right to compensation.

Negotiating with Insurance Adjusters

- Be Careful with Statements: Anything you say can be used against you.
- Avoid Threats: Maintain a polite demeanor.
- Know Your Facts: Be well-informed about your injuries and treatment.

Evaluating the Value of a Claim

Consider these factors to evaluate your claim:
- Injury severity and extent
- Nature of injuries (e.g., multiple body parts)
- Presence of objective injuries (e.g., broken bones)
- Hospitalization and surgeries required
- Time missed from work
- Insurance coverage available

Before agreeing to any settlement, consult with a qualified Iowa injury attorney to ensure fair treatment.

We Are Here To Help

Remember, you are not alone in recovering from your injuries. We have helped thousands of Iowans through their physical, emotional, and financial recoveries. If you have questions about what you are going through, feel free to call our office for your confidential injury conference. We will take the time to listen to you and give you our advice concerning your injury matter at no cost or risk to you.

Free Book at No Cost 

If you are not ready to speak with an attorney yet but would like to learn more about Iowa injury cases including tips about how you can avoid making common costly mistakes request a copy of our Iowa Personal Injury book which includes 14 myths about Iowa injury cases and 5 things to know before hiring an attorney.

If you have specific questions about your injury matter feel free to call our office to speak with our Injury team at 641-792-3595 or use our Chat feature by clicking here 24 hours a day/7 days per week. Your information will remain confidential and there is no cost or obligation.