I have noticed during this Coronavirus Pandemic that there are more bicyclists and walkers out on our streets than usual. It seems everyone is trying to use the time they, otherwise, might be spending at their office, getting some much-needed exercise. Over the past two months, bicycle sales saw their biggest spike in the U.S. since the oil crisis of the 1970s. Sales of adult leisure bikes tripled in April while overall U.S. bike sales, including children’s’ and electric-assist bicycles, doubled from the year before. Sales of commuter and fitness bikes in the same month increased 66 percent, leisure bikes jumped 121 percent, children’s bikes went up 59 percent and electric bikes rose 85 percent. By the end of April, many stores and distributors had sold out of low-end consumer bikes. Now, the United States is facing a severe bicycle shortage as global supply chains, disrupted by the coronavirus outbreak, scramble to meet the surge in demand.
Unfortunately, with so many extra pedestrians and bicyclists on the street come more injuries from being hit by a car or truck. This is especially true as walkers often walk in the streets themselves rather than the sidewalk to distance themselves from other walkers on the sidewalks. For bicyclists, many are hopping on bikes for the first time in years and may not be used to the traffic encountered on certain streets and the danger it brings. In New York City, for example, bicyling injuires were up 43% during the Coronvirus crisis. I have not seen similar government-maintained statistics for Georgia, although the Department of Highway Safety does still have online a manual for bicycle riders from 2006. You may find all of Georgia’s rules and ordinances regarding riding a bicycle on the Georgia Deparment of Highway Safety’s website, although it may be a little out of date.
I have represented numerous pedestrians and numerous cyclists in cases when they have been hit by a vehicle. Often, the driver of the vehicle does the right thing and stays with the cyclist and calls 911. But sometimes, the driver of the vehicle does the absolute wrong thing and leaves the scene and leaves the cyclist hurt and alone on the pavement. The vehicle driver who leaves the scene becomes a “John Doe,” identity unknown. Many injured pedestrians or cyclists may think there is nothing they can do to get justice in that situation, that the at-fault driver just gets away with it. But there is a little known method of recovery under the injured person’s uninsured motorist coverage, if the victim owns a car and it is insured with uninsured motorist coverage. That particular type of car insurance actually covers you as a pedestrian or cyclist if you are hit by an unknown vehicle, as long as there is some type of corroboration that it was, in fact, a vehicle that hit the person. Corroboration can be made by an eyewitness, physical evidence left at the scene, e.g., a car bumper torn off, damaged bike or possibly other evidence that you would expect to see in a vehicle v. bike collision. Unless you practice this kind of personal injury law, like I do, you would have no reason even to be aware that your car insurance policy might cover you as a pedestrian or cyclist. It is not clear from reading most policies, and you sure can’t count on your insurance agent informing you of it.
One thing that is crucial for you to do if you or a loved one have been struck by a car and the car leaves the scene is to have someone report it to your own insurance carrier “as soon as practicable.” This is the typical language used in an insurance policy that requires you give your own insurance carrier notice of the collision. This should be in writing. Some courts have found verbally reporting it is insufficient to comply with the terms of the policy. If you give notice months after the collision, the insurance carrier might very well try to deny you coverage. This is one of those instances, therefore, that you need to retain an attorney almost immediately after such a collision. When I am retained, I give the appropriate notice to your insurance carrier myself. You won’t have to worry that it is done timely and correctly.
Cycle on and be safe out there!
Robin Frazer Clark is a trial lawyer who pursues justice for those who have personal injury claims as a result of being injured in motor vehicle wrecks, trucking wrecks, defective products, defective maintenance of roads, premises safety, medical malpractice and other incidents caused by the negligence of others. Ms. Clark is the 50th President of the State Bar of Georgia, a Past President of Georgia Trial Lawyers Association, a Past President of the Lawyers Club of Atlanta and has practiced law in Georgia for 31 years. She is a member of the International Society of Barristers and of the American Board of Trial Advocates. Ms. Clark is listed as one of the Top 50 Women Trial Lawyers in Georgia and is a Georgia Super Lawyer. Ms. Clark is the Co-Host of the Podcast “See You In Court.”
Robin Frazer Clark ~ Dedicated to the Constitution’s Promise of Justice for All.