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Cycling is a popular and healthy activity, but it comes with its own set of risks. The two most common concerns among cyclists are theft and damage from crashes. While these are real issues, the more serious threats—such as being sued, hit by a car, or suffering an injury—are often overlooked. These incidents can have long-term consequences, both physically and financially. While practicing safe riding habits, staying alert, and taking precautions can reduce risk, accidents are unpredictable and can happen to anyone. Fortunately, there are insurance options designed to protect cyclists from the financial impact of such events.
**Liability Coverage**
Liability occurs when someone is legally responsible for harm caused to another person or property. It’s important to understand that you don’t have to be at fault to be sued. If you’re involved in a situation where someone claims you’re responsible, you’ll need legal representation. Liability coverage helps by paying for an attorney to defend you and covering damages up to your policy limits if the case doesn’t go in your favor. Given that hiring a lawyer can cost between $500 to $1,000 per hour, liability coverage offers peace of mind and protects you from potentially devastating financial losses.
If you already have a home insurance policy, it may include liability coverage. However, it’s essential to check whether this coverage extends to activities outside your home, like cycling. If your policy only covers liabilities at your residence, you may want to add specific coverage for your bike. For electric bikes, which are considered motorized vehicles, most standard home insurance policies won’t cover them, so additional coverage is typically required.
**Vehicle Contact Protection**
Colliding with a vehicle while cycling can lead to serious injuries or even death. According to the CDC, nearly 1,000 bicyclists die each year in collisions with cars, and over 130,000 are injured. Due to the size and speed difference between cyclists and cars, cyclists are far more vulnerable. Vehicle Contact Protection is an optional coverage that can be added to your bicycle insurance to help manage costs related to injuries, medical treatment, lost wages, and other expenses after a crash with a car.
This coverage works similarly to Uninsured/Underinsured Motorist (UIM) coverage on auto policies. It’s especially important for e-bike riders, as most auto insurance policies don’t cover e-bikes. Whether you're commuting, training, or simply sharing the road, Vehicle Contact Protection offers crucial financial protection.
**Medical Coverage**
Healthcare costs continue to rise, and many people face high deductibles and out-of-pocket expenses. Even with health insurance, you may still be responsible for significant costs, especially for emergency care or physical therapy. Bicycle-specific insurance from Velosurance includes Medical Payments coverage, which acts as a gap insurance to cover expenses not fully covered by your primary health plan.
For example, if you suffer a broken bone during a fall, your health insurance might require you to meet a deductible before covering the rest. With Medical Payments coverage, you can get reimbursed for those costs up to your chosen limit. This type of coverage is particularly useful for those with high-deductible plans or no health insurance at all.
**Conclusion**
Insurance is designed to protect you from unexpected financial burdens. As a cyclist, it’s wise to assess your personal risk and choose coverage that fits your lifestyle. Velosurance offers tailored bicycle insurance solutions to help you ride confidently, knowing you’re protected in case of an accident. Don’t wait until something happens—take control of your financial safety today.
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