The same insurance coverage for automobiles applies for first-party claims involving a bicycle hit by a motor vehicle. First-party benefits include medical expenses, lost wages, replacement services (household services such as household chores, childcare), and attendant care (nursing services). According to Michigan’s statute of limitations, you must make a first-party claim against the motor vehicle insurer within one year from the date of the bicycle accident.
If you or someone you love is injured in a bicycle accident caused by a motor vehicle, seek legal help from a Grand Rapids car accident lawyer immediately. Whether, and to what extent, you recover reimbursement for your losses from a bicycle accident with a car or motorcycle depends on correct action under Michigan’s No-Fault law. Often, the insurance companies – even your own – will do everything to avoid paying what they owe; they will delay and employ tactics to deprive reimbursements. In Michigan, if you are a bicyclist and are involved in an accident involving a car or truck, you are eligible for Michigan No-Fault insurance benefits (a first-party claim). When the injuries are catastrophic or fatal, you can also sue for pain and suffering compensation (a third-party claim).