In some cases, you may be able to file a bike accident claim with the auto insurance of the liable driver. If the accident occurred because a motor vehicle driver failed to take proper precautions, their liability insurance may cover your serious injuries.
However, the insurance company may try to place the blame on you, claiming you weren’t staying in the bike lanes or were otherwise negligent. In these cases, you may need a lawyer to help you with mediation or even litigation if mediation fails.