Philadelphia is a city that is well-known for its bike-sharing program. With over 2000 bicycles spread across various locations in the city, anyone can rent a bike and easily navigate the city’s streets. However, bike rentals come with inherent risks, particularly when it comes to accidents. Many people wonder what happens if they get into an accident while riding a rental bike? In this article, we’ll explore if you are protected in case of an accident while using Philly’s bike rental program.
Firstly, it’s important that you understand that most bike rental companies do not provide insurance for their customers. This is because bikes are categorized under “toys” in most insurance policies, and therefore not eligible for coverage. You may be able to protect yourself by purchasing a separate policy or adding a clause in your existing insurance, but you need to confirm with your insurance provider what they cover.
Secondly, if you get into an accident caused by someone else’s negligence, you may be able to recover damages. You will need to establish that the other party was at fault, either through reckless or careless behavior. In this case, it’s crucial that you document the incident as much as you can, including taking photographs and gathering witness statements.
Thirdly, if you are at fault for the accident, you may find yourself liable for property damage and any personal injuries that result. This could result in a judgment being entered against you, which can be significant in terms of financial costs. This is why it’s important to be careful while riding and to be familiar with local traffic laws.
Fourthly, if someone gets injured while using the bike that you rented, you could also be liable for their injury. This can happen if the injured persons claim that the bike was defective or lacked maintenance. Distinguishing between an accident from a defective bike can be challenging, so it’s important to ensure the bike is in good condition before you take it out for a spin.
Finally, it’s always a good idea to speak to a personal injury lawyer if you find yourself involved in an accident. A lawyer can advise you of your legal rights and help guide you through the insurance process.
In conclusion, bike rentals in Philadelphia are a great way to explore the city, but they come with some risks that you should be aware of. It’s crucial that you take the necessary precautions while you’re riding a rental bike. Be sure to follow the rules of the road, wear a helmet, and be aware of your surroundings.
In case of an accident, it’s important that you document the incident, gather witness statements and speak to an attorney or your insurance provider to determine what coverage you have. Ultimately, it’s your responsibility to protect yourself and those around you while riding a rental bike, and knowing your rights in case of an accident will help you be prepared for them.