As a cyclist, you’ve chosen a sports activity that puts you on the road with many vehicles.  No one needs to tell you that drivers have much more physical protection than you do on your bike, and so you, as the cyclist, is most at risk of injury. In 2018, 857 cyclists died in motor vehicle accidents, which is the deadliest year in almost 30 years. (NHTSA

While you take every precaution to be safe on the road, many factors are out of your control, and it’s possible that something could happen.

If you’re involved in an accident, your impacts aren’t just physical…they can also be financial.

Be sure you and your loved ones are protected if something happens. Below are several issues to consider to build a solid protection plan. If your current agent or company isn’t suggesting such protection options, then it’s time to consider a new provider.

Auto Insurance

Protection from underinsured & uninsured drivers.  Not all drivers carry the higher bodily injury coverage limits necessary to pay for injuries caused to others in a severe accident. Some drive without insurance. If you are seriously injured by one of these uninsured or underinsured drivers, there is a way that you can buy protection for yourself through your auto insurance policy. We’d be glad to review this coverage with you.

Liability Insurance

What happens if you are at fault for injuring someone while on your bike? What if a blowout or something else causes you to lose control? You could injure another cyclist or swerve into traffic, causing an accident as vehicles swerve to avoid you. As a result, you might be sued for injuries or damage to property.  You’re not in your car, so this is where your homeowners/condo/renters and personal umbrella liability policies will protect you. Do you have enough protection?  Do you have umbrella liability coverage?

Disability Insurance

What happens if you’re injured and can’t work? Could you pay your bills for an extended period if you were injured and out of work? Disability insurance can help remove financial struggles while you recuperate from an illness or injury. Even if you have some disability protection from your employer, it may not be the maximum coverage you could get. Let us help you evaluate your current safety and options.

Life Insurance

If the worst happened, you want to know that your loved ones would be okay financially. Although it might be difficult to think about needing life insurance, but given the extra risk you have compared to others who aren’t cyclists, you need to ensure you are prepared. Mortgage, income, household, education expenses, etc., are all things to consider when planning for the future of those you care about most. We can help you work through the planning evaluation and options for protection.

Time to Review? We’re Happy to Help!

Murphy Insurance would welcome the opportunity to assist you if any of the above has hit a nerve. We can review your current policies to ensure you’re well protected.

Please Contact Us to let us know how we can help.  Or, if you have a specific request, please view our Get a Quote page.

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