When a bicyclist is hit by a car, most people assume the driver's insurance will cover the injured rider's medical bills. Attorney Steven Goldstein explains that in New Jersey, the reality is often very different. The state follows a unique “no-fault” insurance system, which can leave injured cyclists confused about where their coverage actually comes from.

In New Jersey, auto insurance follows the individual—not the vehicle. This means if you own a car and carry Personal Injury Protection (PIP) coverage, that policy may be responsible for paying your medical expenses, even if you were riding a bicycle at the time of the crash. Many people are surprised to learn that they must turn to their own insurance first, even when they were clearly not at fault.

This system can feel unfair, especially for cyclists who did nothing wrong. Concerns about insurance rates increasing or confusion about filing a claim often delay people from taking action. However, failing to report the accident to your insurance company within a limited timeframe—typically around 30 days—can put your medical coverage at risk.

The situation becomes even more complicated for individuals who do not own a car. In cities like Hoboken or Jersey City, many residents rely on biking or public transportation. If a bicyclist without auto insurance is injured, they may qualify for coverage through the New Jersey Property-Liability Insurance Guaranty Association (NJPLIGA). This state-backed program can provide up to $250,000 in medical benefits for eligible claims involving pedal-powered bicycles.

While this safety net can be incredibly valuable, navigating the process is not always straightforward. Determining eligibility, filing claims correctly, and coordinating benefits requires careful attention. Medical bills from serious injuries—such as surgeries costing tens of thousands of dollars—can quickly add up, making proper coverage essential.

How an Attorney Can Help Protect Your Rights

An experienced personal injury attorney plays a critical role in helping injured cyclists understand their options. From identifying the correct source of insurance coverage to ensuring claims are filed on time, legal guidance can prevent costly mistakes.

Attorneys also help gather evidence, establish liability, and communicate with insurance companies that may attempt to minimize payouts. Even in a no-fault system, there may be opportunities to pursue additional compensation for damages beyond medical bills. Having a knowledgeable advocate ensures your case is handled properly from the start.

Take Action Today: Protect Your Rights After a Bicycle Accident

If you've been injured while riding a bicycle, don't assume the process will be simple. Understanding your rights and acting quickly can make a significant difference in your recovery—both physically and financially. Speaking with an attorney can help you secure the coverage you need and avoid unnecessary complications.

FAQs

Who pays medical bills if I own a car but was riding a bicycle?
Your own auto insurance policy's PIP coverage typically pays your medical expenses, even if you were not driving at the time of the accident.

What happens if I don't have car insurance?
You may be eligible for coverage through NJPLIGA, which can provide substantial medical benefits if certain conditions are met.

Will my insurance rates increase if I file a PIP claim?
While concerns about rate increases are common, the primary focus should be on getting your medical bills covered promptly and correctly.

How soon do I need to report the accident?
You should notify your insurance company as soon as possible—generally within 30 days—to avoid risking a denial of benefits.