Protecting Yourself On and Off the Bike: Insurance Essentials for Cyclists (REPLAY)

Coach Chris interviews Thomas Henson, a personal injury attorney specializing in catastrophic injuries and avid cyclist, who shares critical insurance and safety information that can protect cyclists and all active individuals on the roads.

We discuss: 

• Uninsured/underinsured motorist coverage (UM/UIM) is vital but often overlooked insurance that protects you beyond just car accidents
• UM/UIM coverage follows you when cycling, running, or even walking, and extends to family members in your household
• North Carolina's minimum required auto insurance ($30,000) is often insufficient to cover medical expenses from even moderate injuries
• Catastrophic cycling injuries can result in medical expenses reaching hundreds of thousands or millions of dollars
• Detailed documentation after a cycling accident is crucial, including medical attention, police reports, witness information, and photographs
• North Carolina's contributory negligence law means cyclists could recover nothing if found even 1% at fault for an accident
• Safety practices like wearing helmets, using lights, and avoiding confrontational behavior protect you physically and legally
• Keep detailed records of all cycling equipment purchases and upgrades to ensure proper valuation after an accident
• GoPro cameras can provide valuable evidence in cycling accidents
• Always seek proper medical attention after an accident, particularly for head injuries which should be evaluated by concussion specialists. 

Want more info? Check out the episode photos, video and more here: https://www.theenduranceedge.com/cycling-safely-legal-issues-the-insurance-you-need/

Chapters

• 0:51 Episode Introduction
• 5:57 Understanding Cycling Insurance Coverage
• 12:32 Uninsured/Underinsured Motorist Protection
• 19:43 What To Do After a Cycling Accident
• 26:53 Protecting Your Equipment and Property
• 33:58 Safety Practices and Legal Considerations
• 42:28 Key Takeaways and Contact Information