Spring is upon us and riders are on the roadway. Sadly, a bicyclist was recently struck and killed while safely riding along the shoulder of the roadway. What options are available to the family?
Obviously, the youthful car driver probably has primary liability, but may not have sufficient automobile liability coverage to satisfy the loss. In that event, the family would look to their own motor vehicle policies to make claim through the under-insured motorist provisions of their policy. Better still, if the family had an umbrella policy, there maybe up to another $1,000,000 in coverage available through their own umbrella policy.
While this is a sad tragedy for this family, it is an important time for all of us to review our own insurance coverage. When we suffer a calamity on the roadway at the fault of another, frequently we must look at our own automobile policies for coverage through uninsured or uninsured motorist coverage. Make certain that you have enough coverage to satisfy the needs of you and your family.