This post was written by Portland lawyer Cynthia Newton. She previously shared her concerns about commercial truck operators. Today’s post is about the insurance gap faced by bicycle users. It’s an issue we’ve covered previously here on BikePortland, but it’s so important we felt it was worth re-upping.
This is one of those things that’s not pleasant to think about, but important to know.
Bicycle riders and walkers who are involved in a collision with the driver of a motor vehicle often suffer serious injuries, requiring emergency medical care, surgery, hospitalization and short or long-term disability. Many Oregon drivers carry the minimal automobile insurance limits of $25,000. Serious injuries combined with this minimal amount of coverage combine to create a gap between the funds needed to pay medical expenses and to be fully compensated for lost income and non-economic damages. Put more simply: The injured’s damages exceed the at-fault driver’s insurance coverage.
As lawyers who work with bicycle riders, we see the consequences of this situation far too often.