Who pays when a car hits a cyclist?

Usually the driver's liability insurance. Your own auto policy's UM/UIM coverage may add protection if the driver is uninsured or underinsured.

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Bicycle Accident Settlement Calculator

Cyclists hit by cars usually claim against the driver's liability insurance, and may also be covered by their own auto policy's uninsured/underinsured motorist coverage. This calculator applies your state's fault and insurance rules.

All 50 states + DC
Verified 2026-11-13
Free · nothing stored

Your accident

State where the accident happened

How serious is the injury?

Minor×1.5–2Soft tissue, sprain, bruising; heals in weeksModerate×2–3Whiplash or back pain with months of therapySerious×3–4Fracture, herniated disc, concussion, surgerySevere×4–5Brain or spinal injury, permanent disability

Your costs so far

Medical billsLost wages

That's all you need for a first estimate. Rough numbers are fine.

Optional: make the estimate more accurate fault, insurance, lawyer fee

Fault and future costs

Your share of fault 0%Not at faultFully at faultExpected future treatment

Insurance

Other driver's policy limitLeave empty to assume your state's legal minimum.Your UM/UIM coverage

What comes out of it

Attorney fee 33%No lawyer45%

Case costsMedical liens to repay

Choose your state to see your estimate

What your claim may be worth
What you would actually take home
Your state's deadline to file

What makes a bicycle accident claim different

Your auto policy may still cover youMany auto policies extend UM/UIM and sometimes PIP or medical payments coverage to you while cycling. Check your declarations page.

Special fault rule in D.C.Washington, D.C. uses contributory negligence, but pedestrians, cyclists and other vulnerable road users are barred only if more than 50% at fault.

EvidenceBike damage, helmet damage, cameras and witness statements help establish fault and injury severity.

Rules in your state

Your state's fault rule and lawsuit deadline apply to bicycle accident claims. Pick your state for its rules and official sources, or compare fault rules and deadlines across all states.

Frequently asked questions

Who pays when a car hits a cyclist?: Usually the driver's liability insurance. Your own auto policy's UM/UIM coverage may add protection if the driver is uninsured or underinsured.