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E-bike Accident: Insurance and Fault
An e-bike collision caused $3,000 in car damage. The article discusses fault determination, insurance claims, and legal options for the car owner.
English
Canada
LifestyleLawsuitAccidentInsuranceCyclingLiability
Mitchell & Whale Insurance Brokers Ltd.Mitch Insurance
Adam MitchellDayo
- What are my rights as a driver in this situation?
- Your rights as a driver include filing a collision claim if you have the coverage and your deductible is lower than the repair cost. You may also be able to sue the cyclist in small claims court.
- Could requiring insurance for cyclists be a solution?
- The cyclist may have liability coverage under their homeowner's or tenant's insurance, or separate bicycle liability insurance, that could cover the damages.
- Could my insurance company try to get the money back from the cyclist?
- If the e-bike driver is identified, your insurance company could sue them to recover costs, but this is unlikely for a $3,000 claim. You could try to recover your deductible via small claims court.
- How do we find out who is at fault in a car accident with an uninsured e-bike?
- To determine fault in an e-bike accident, provincial fault-determination rules apply. If you were partly at fault, your insurance rates might increase.
- Can I go through my own insurance even though the e-bike driver had no insurance?
- If you have collision coverage with a deductible less than the $3,000 damage, you can file a claim, but your rates may increase, depending on fault.