During these unprecedented times, more and more of us are getting our exercise by riding our bikes. Even though it’s a law in Vermont, not all motorists “share the road”.

All too often, this leads to the worst-case scenario: bicycle crashes where someone is injured. If you or someone you care about has been seriously hurt in a bicycle accident, you probably have some questions. One of the first questions that people usually ask us is: “Who will pay for my medical bills?”

Unfortunately, there is no quick and easy answer. Who’s liable for your medical bills is determined by many factors, including the nature of your accident, and insurance coverage—both yours, as well as the policy of the person who caused the crash.

Believe it or not, if you were injured while riding your bicycle, your Vermont auto insurance is the first line of financial defense following an accident, for covering your medical bills. Most insurance policies cover the first $5,000 of medical treatment.

If you do not have car insurance, then most likely your medical bills will be paid by your personal health insurance. Finally, you may be able to make a claim against the other driver’s insurance company