Have You Checkedย Your Spare Tire Lately? Automobile Insurance Coverage for Bicycle Riders David D. Daggett Daggett Shuler, Attorneys At Law If you are the type of person who checks your spare tire before you get a flat, you may not need to read this article. However, if you typically overlook preventive maintenance, you should […]
If you are the type of person who checks your spare tire before you get a flat, you may not need to read this article. However, if you typically overlook preventive maintenance, you should consider this advice.
ย ย ย ย Did you know that your automobile insurance policy may provide additional coverage? So, you may say that your children are the ones who ride bicycles; or, that you do not personally have an auto or carry auto insurance. Yet, all automobile policies issued in North Carolina provide coverage not only for the named insured, but also your spouse, and any family members living in the same household. Accordingly, almost all bicycle riders will have access to automobile insurance coverage.
ย ย ย ย ย ย ย ย ย The first type of auto insurance that may provide coverage for a bicyclist is medical payments coverage. Med pay, as it is called, is optional coverage in North Carolina that can be purchased in conjunction with your automobile insurance policy. This coverage means your insurance company will reimburse you, or any family member, for any injury sustained if you are hit by a motor vehicle regardless of who was at fault. Medical payments coverage is generally issued in amounts of $1,000, $2,000 or $5,000. This insurance is fairly inexpensive, but you have to ask for it.
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