Cyclist Protection Tips

May 10, 2023||inPersonal Insurance|auto insurance, condo insurance, disability insurance, liability insurance, life insurance, personal insurance, personal liability, personal umbrella policy, renters insurance

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) 

Cyclist Protection Tips
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

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.

 

Read Other Blog Posts

10 Tips for Holiday Safety

10 Ways to Stay Safe and Protected This Holiday Season

The holidays are a time for joy, gatherings, and festive décor—but a few simple precautions can make all the difference. From checking your lights and keeping walkways clear, to kitchen safety, winter preparedness, and looking out for pets, these ten tips help you enjoy the season safely and stress-free. Make this holiday your safest yet!
Read more
10 Business Holiday Safety Tips

10 Ways to Keep Your Business Safe and Running Smoothly This Holiday Season

The holiday season brings extra demands for businesses of all kinds. From increased traffic and seasonal staffing to year-end projects, it’s a busy time for operations. Here are ten practical tips to help keep your workplace safe, employees supported, and your business running smoothly through the season.
Read more
Terrific Thanksgiving and Holiday Travel Tips

Terrific Thanksgiving and Holiday Travel Tips

Holiday travel is one of the busiest times of the year, and a little preparation can make all the difference. From planning your route and preparing your vehicle to staying alert, flying smart, and protecting your home, these simple tips can help you enjoy a safer, smoother trip this Thanksgiving and holiday season.
Read more
Thanksgiving Kitchen Safety Tips to Keep Your Holiday Safe and Stress-Free

Thanksgiving Kitchen Safety Tips to Keep Your Holiday Safe and Stress-Free

Thanksgiving is a time for family, food, and celebration, but it is also the leading day for home cooking fires. Our Thanksgiving Kitchen Safety Guide shares simple tips to keep your kitchen safe, from staying focused at the stove to deep frying a turkey safely. Make this year’s holiday warm, joyful, and worry free.
Read more
Driver 1200 (1)

On the Road Alone: Essential Safety Tips for Long Solo Drives

Heading out on a long drive alone can be empowering, but it also calls for a little extra preparation. From planning safe rest stops to staying aware of your surroundings, these essential tips will help you feel confident and secure on every mile of your solo journey.
Read more
Halloween Safety Tips with a Side of Insurance Wisdom

Halloween Safety Tips with a Side of Insurance Wisdom

Because spooky surprises are only fun when they’re part of the costume. From tripping hazards on dark walkways to costume mishaps and party liability, Halloween fun can come with hidden risks. Murphy Insurance Agency shares practical safety and insurance tips to help you keep your night frightfully fun and claim-free.
Read more
October is Cybersecurity Awareness Month Are You Cyber-Smart at Home and at Work

October is Cybersecurity Awareness Month: Are You Cyber-Smart at Home and at Work?

October is Cybersecurity Awareness Month — the perfect reminder to stay vigilant about your digital safety. From phishing scams to hacked home devices, cyber threats can affect anyone. Learn practical tips to protect yourself at home and work, and see how personal cyber insurance can help safeguard your finances and identity.
Read more
Candle on table

Candle Safety Considerations

Candles provide a warm ambiance for an intimate dinner, a sparkling decoration for a birthday cake or a nice scent for your home. Ambiance aside, candles can be a fire hazard if they are left unattended or placed where they can start other objects on fire. If you enjoy candles, be sure to follow these tips to use them safely.
Read more
Condominium Owners Manual Graphic SMM

Introducing the Murphy Insurance Condominium Owner’s Manual: Your Guide to Preventing Costly Condo Repairs & Damages

Murphy Insurance Agency has created a new Condominium Owner's Manual designed to help you prevent costly home repairs and avoid common insurance claims. Backed by decades of real-world experience, this practical guide provides seasonal tips, safety advice, and a comprehensive maintenance checklist to protect your home—and your wallet—all year round. Download your copy today!
Read more

Visit Our Personal Insurance Page

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.