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Bicycle Commuting: What Happens if You’re in an Accident?

Children, Healthy Lifestyle| Views: 1993

The daily commute is something of a legend in the working world, one that everyone has to live through pretty much every working day of their lives.

The vast majority of people head off to work each morning in their cars. They sit in stop-and-go traffic, contribute to the smog problem, and listen to their favorite podcasts to try and wait out the rush hour. It’s no wonder so many people choose to take their bicycles to work instead. In every city in America and countless cities in other countries as well, the bicycle commute is one of the most practical decisions any working professional can make. Not only do you get to keep moving when the cars are stopped, a persuasive argument for bicycling all on its own, you’re also getting your daily exercise, staying fit, and choosing not to contribute to the rush hour smog-fest.

Bike Commuting Blues

That said, commuting to work on a bike also has some downsides like having to change clothes when you get to your destination and, of course, the risk of injury. Besides broken pavement, sharp curbs, and debris in the road, you also have to watch out for car drivers who might not see you or, worse, they do see you and don’t feel like yielding or leaving the bike lane clear. Unfortunately, because it’s your safety on the line, it’s also your job to keep yourself safe even when your fellow commuters are being dangerous.

Keeping Yourself Safe

When you bike to work, no doubt you do everything in your power to keep yourself safe. A helmet is the most important part of the equation but the rest of your body is almost as important. Many people wear fingerless gloves which help keep a good grip on the handlebars and prevent your hands from scraping up if you land hard, but that’s not enough. Knee and elbow pads are a little better, but the biggest risk to any urban bicyclist is the chance that you will be thrown bodily from the bike and wind up skidding and rolling across the median. This can happen even without the participation of another driver if, for instance, your front tire hits a particularly tall rock or sharp pothole edge.

What Would You Do?

Even if you’ve successfully biked to work more than a hundred times without incident, the next trip you take could be the one time┬áthat things don’t go perfectly. If you were in a serious bike accident, what would you do? There are some very real questions to consider like whether or not your health insurance covers the injuries or if you have the sick days to take off time from work to recover. Then there’s the question of how you’ll get to work if you can’t ride your bicycle for a few weeks after the accident.

Having a Plan in Place

Riding your bicycle to work is a good idea on so many levels, it would be foolish to give it up for a little bit of worry. Instead, have a solid contingency plan just in case the worst occurs and you get injured on the commute. Accidental injury insurance can cover what your regular insurance doesn’t. It can help pay any medical out-of-pocket expenses, unpaid time off from work and even day-to-day living expenses! At the very least, it can ensure that you have plenty of ice packs and chicken soup for your time recovering at home.

Whether you hit a curb or someone tries to drive into your bike lane, accidental injury insurance is there for you at monthly prices that start at less than $10 a month. Having a backup plan is a no-brainer. Deciding on what shows watch while you rest up will be the hard part.

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