FREE CONSULTATIONS 856.983.8695

NJ Car-Bicycle Accidents – Who Pays for Injured Cyclists’ Medical Expenses?

Philip Ciprietti, NJ Car & Truck Accident Lawyer

Philip Ciprietti offers clients a genuine interest in their well-being and success and places clients’ interests first in all matters. Since 1982, Mr. Ciprietti has been certified by the NJ Supreme Court as a Certified Civil Trial Attorney.

Review: "His commitment and his willingness to go the extra mile, to fight hard for you make Phil an outstanding attorney. He is the one you want on your side." Read more testimonials.

In the summer, many NJ bicyclists are severely injured in auto accidents as the result of the drivers’ negligence. Bicyclists may be hit by all types of motor vehicles, i.e., cars, trucks, mini-vans and buses. Other than helmets which provide some protection from head-brain injuries, cyclists are often severely injured. After impacts, bicyclists may by thrown off their bikes and onto the pavement, concrete and/or roadway.

With serious injuries, such as multiple fractures throughout the body, ruptured internal organs and/or traumatic brain injuries, cyclists are often worried about their medical bills and who pays for them.

Injured Cyclists May Receive PIP Coverage

After drivers/passengers are injured in motor vehicle accidents in New Jersey, their medical bills are covered by their own car insurance policies. Medical benefits coverage or PIP benefits provide medical coverage to insured drivers/passengers regardless of who caused the accident. Therefore, even though injured drivers are not at fault, they seek medical benefits coverage from their own car insurance companies.

Related: Injured in a NJ Car Accident? – The Basics of Medical Benefit (PIP) Claims

PIP benefits also cover pedestrians. N.J.S.A. 39:6A-4 states who is eligible for PIP and provides that auto policies provide PIP benefits regardless of fault

to the named insured and members of his family residing in his household who sustained bodily injury as a result of an accident while occupying, entering into, alighting from or using an automobile, or as a pedestrian, being struck by an automobile or by an object propelled by or from an automobile, to other persons sustaining bodily injury while occupying, entering into, alighting from or using the automobile of the named insured, with the permission of the named insured, and to pedestrians, sustaining bodily injury caused by the named insured’s automobile or struck by an object propelled by or from such automobile. (emphasis added)

In addition, N.J.S.A. 39:6A-2h defines “pedestrian” in relevant part as “any person who is not occupying, entering into, or alighting from a vehicle….”

Therefore, if a pedestrian owns an insured vehicle and is hit and injured by a car, his medical expenses are covered by his car insurance policy via PIP coverage.

Related: New Jersey Pedestrian/Car Accidents: Damages Pedestrians Can Recover

What does PIP benefits coverage have to do with cyclists? Pursuant to NJ law, cyclists are considered pedestrians. Therefore, a cyclist may make a PIP claim with his car insurance company if he was hit and injured by a car.

If an injured cyclist does not own an insured vehicle, then an applicable car insurance may provide PIP benefits. For example, if the cyclist lived with his father, he may be eligible to receive PIP benefits caused by an automobile accident because he was a member of the family residing in his father’s home.

Hit by a Car, Bus or Truck While Riding a Bicycle in South Jersey?

If you were hit by a car, truck or a van while riding a bike in South Jersey, call Philip T. Ciprietti, Esq. to inquire about your legal rights. Mr. Ciprietti is a NJ personal injury lawyer who has helped victims of motor vehicle accidents in NJ. Call to schedule a FREE consultation. 800-281-8695

Car Accident Law Articles

New Jersey Car or Truck Accident Law: How Multiple Victims are Compensated

In most New Jersey car or truck accidents, a negligent or careless driver causes an accident and injures another driver.  The injured driver can then file a lawsuit against the negligent driver and may recover financial compensation for his/her damages and injuries...

What are Pain and Suffering Damages? By A Marlton, Southampton, NJ Car & Truck Accident Lawyer

Many NJ drivers and passengers injured in car or truck accidents in Marlton, Cherry Hill, Southampton and other areas of South Jersey often want to know if they can sue at-fault drivers for their pain and suffering. New Jersey personal injury law for pain and...

South Jersey Car Accident Law – Optional Coverage on NJ’s Auto Insurance Policies

In any NJ motor vehicle insurance policy, there are types of mandatory coverage drivers must purchase, and there are types of optional coverage drivers may purchase. Mandatory coverage includes medical expense benefits (PIP) coverage, which pays for reasonable medical...

New Jersey Car Accidents – Should I Sue the At-Fault Driver? (Part 2)

A common issue many injured NJ drivers, passengers and pedestrians consider after motor vehicle accidents is whether they should pursue lawsuits against the at-fault drivers. Part 1 of this article discussed a scenario where a car accident victim with minimal injuries...

Review of Philip Ciprietti, New Jersey Civil Trial Lawyer

Review New Jersey Lawyer Philip T. Ciprietti "I am Vice President and Deputy General Counsel of a Fortune 500 corporation and have dealt with the Ciprietti Law Firm for many years. Moreover, I have made numerous client referrals to the firm. Mr. Ciprietti is a gifted...

FREE CONSULTATIONS

    Spam:  

    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.

    OUR OFFICE

    79 S. Maple Avenue
    Marlton, NJ 08053
    Phone: 856.983.8695
    Fax: 856.983.0015
    Toll Free: 800.281.8695

    Google Map/Directions