Question here is—I was riding my bike and got hit by a car that has no insurance? What do I do to get my medical bills paid? So how does he handle that?
Sure, it’s a very good question. The car that hit you has no insurance, so you’re actually going to be able to go to your own automobile insurance in your home in order to get your medical bills paid through what’s called your first party medical benefits. Every policy in the state of Pennsylvania has a provision or had some amount of first party medical benefits, that’s where you’re going to go first in order to get your medical bills paid until the limits are exhausted. Once those limits are exhausted then you would go to your own health insurance that’s pretty much what you’re going to need to do in order to get your medical bills paid.
And assuming they have insurance because if they don’t have insurance then you would have to take a direct action against the driver of the car regardless if they have insurance or not and try to collect for your medical bills. Because if you don’t have insurance in your home, what she’s riding a bicycle so we don’t know if they have a car or not and then this guy has none so you do have a legal action against the driver or the owner of the vehicle to recover your bills. Again if you do have insurance make sure and again you want to make sure you have the right insurance so always check with your agent make sure you have underinsured you can check your first party medical benefits.
This is exactly the situation we always talk about that a lot of drivers in Northeastern, Pennsylvania do not have insurance or the adequate insurance so you have to protect yourself. Take the time give us a call we’ll look at your deck page talk to your agent find out what your insurance are.
This is very important especially during this time of year because technically you’re a bicyclist but you’re considered a pedestrian under the circumstances so your own insurance would really apply.