Even if you are on a bicycle or were a pedestrian, your auto insurance personal injury protection (PIP) should pay your medical expenses if you are struck by a motor vehicle.

If you do not have auto insurance and do not have health insurance, than the other driver’s insurance should pay your medical bills. 

Your insurance company is required to pay all of your medical expenses within the first year that are reasonable and related to the accident, up to your policy limit ($15,000 for most people).

This does not mean that your auto insurance company, or the driver's auto insurance will pay these bills.

Insurance companies do not pay bills if they don't have to and the insurance company may deny your medical bills.

For a Seattle bicycle attorney, at the time, an associate of Washington Bike Law, her own insurance company actually denied her auto insurance coverage existance and came up with surprising new intrepretations of what her auto insurance policy coverage meant! This attorney's story is one of eventual triumph through the justice system and the experienced legal representation she received from her employer at the time, Bob Anderton.

I am a bike lawyer. By this I mean that I represent injured bicyclists. I am also a bicyclist. Last year, I was hit by an uninsured driver on my ride home from work and utilized the Insurance Fair Conduct Act (RCW § 48.30.015) when my insurer claimed that I was not insured when riding my bike. The Insurance Fair Conduct Act (IFCA) was approved by voters and signed into law in 2007. IFCA provides remedies for people whose claims are unreasonably denied by their insurance companies or if their insurance companies fail to comply with particular regulations governing unfair claims settlement practices.

Stacie Bain, "Riding Along Uninsured with 'IFCA'"
King County Bar Bulletin, November 2009 (PDF)

Talk to an experienced attorney if you have been injured in an auto accident on your bike or as a pedestrian as soon as you are able to.

I offer free consultations, and contingency fee agreements.

I am actively trying personal injury cases and as long as insurance companies continue to try and cheat my clients, I intend to keep taking cases to trial.