Biking is a great way for Iowans to get outdoor exercise. While we’re known for RAGBRAI, Iowans ride bikes regularly. Maybe you’re on a family ride around Manchester or mountain biking areas of the Wapsipinicon River valley. Even the most cautious bicyclists are exposed to the potential for danger. Biking accidents are rare, but they’re not unheard of. If you or a loved one has been seriously injured or permanently disabled because of a biking accident that wasn’t your fault, RSH Legal is here to fight for fairness for you.

Who Pays My Manchester Medical Bills After a Bike Accident?

Have you taken a nasty tumble from your bike in Manchester? Bike accidents can be a real pain, not just for your body but also for your wallet. You might wonder, “Who’s gonna pay for this mess?” Well, let’s break it down.

First off, right after an accident, make sure you’re safe and get the medical help you need. Remember to get the details of anyone involved, like names, insurance info, and report the accident to the police.

Now let’s talk about who may be responsible for those medical bills.

Personal Health Insurance

Your health insurance can be your lifesaver in this situation. It might cover a chunk of the medical costs. But be warned – everything might not be covered, and you might have to pay some out of pocket.

Auto Insurance

Think auto insurance is just for cars? Think again! If you’re hit by a car, the driver’s auto insurance might help pay your bills. If you’ve got auto insurance, you might have personal injury protection (PIP) that covers you even if you’re on a bike!

At-fault Party’s Insurance

If the other person involved caused the accident, their insurance might cover your bills. You must file a claim with their insurance company and be ready to play hardball because they might not want to pay up.

If you’re unsure how to handle these costs, that’s all right. You can chat with an attorney who knows the ropes. They can help you figure out if you should file a lawsuit to get compensation for your bills. One last thing, if your case is taking longer than expected, talk to your Manchester healthcare providers. They might let you pay later or work out a payment plan.

What Should I Do Immediately After a Bicycle Crash in Manchester?

Imagine this worst-case scenario: You’re cruising on your bike, enjoying the breeze in Manchester when – BAM! – you’re hit by a car. You’re dazed and confused. What’s next?

Keep Calm and Move

First things first, get a grip on yourself. If you can, drag yourself and your bike out of traffic. Safety first!

Dial for Help

If you’re hurt or if others are, don’t be a hero. Dial 911! Get the police on the scene. They’ll need to do an investigation and write a report.

Be a Detective Yourself

Get out your phone and go full Sherlock Holmes. Snap pictures of your bike, the scene, and any injuries you have. If there are witnesses, ask for their names and phone numbers.

Zip It

Remember when your teacher told you to keep quiet? Well, now’s the time. Don’t say, “It’s my fault” or anything like that. Don’t argue, either. Just stay calm and stay quiet.

Police Report Time

If the police didn’t come to the scene, head to the station and file a report. It’s like telling your side of the story so they have it on record.

Doctor’s Orders

Even if you feel like Superman, see a doctor. Sometimes injuries can take a while to show symptoms. Plus, if you must take legal action, you’ll need the medical records as proof.

Ring Up Insurance

Call your insurance company and tell them you had a wreck, but stick to the facts. They’ll probably ask you a lot of questions but remain calm and provide only the information they request.

Keep an Eye on Yourself

Keep your damaged gear and clothes, and watch out for any late-appearing aches or pains. They’re clues to what happened.

Lawyer Up

Talk to an attorney who’s experienced in Manchester bike crashes. They’ll tell you if you should sue or not. Pick someone who knows their stuff and has your back.

Most Common Cause of Bicycle Accidents in Manchester

Bicycling in Manchester can be an efficient and enjoyable mode of transportation. However, it’s crucial to be aware of the potential hazards. Understanding the common causes of bicycle accidents can help in prevention and navigating legal procedures if necessary.

Distracted Driving

Distracted driving, particularly texting, is a significant cause of Manchester collisions involving cyclists. It’s imperative that drivers remain vigilant and avoid using mobile devices when operating a vehicle.

Failing to Yield at Intersections

Many crashes occur at intersections when drivers or cyclists fail to yield the right of way. Knowing and respecting traffic rules is essential for the safety of all road users.

Dooring Accidents

Dooring accidents happen when a car door is opened into a cyclist’s path. Drivers should always check for cyclists before opening doors, and cyclists should ride at a safe distance from parked cars.

Poor Road Conditions

Potholes and debris can be hazardous for cyclists. It is crucial for cyclists to be cautious and attentive.

Riding Against Traffic

Cyclists riding against traffic pose a danger to themselves and others. Cyclists need to follow the traffic flow to reduce the risk of collisions.

Left Cross and Right Hook Collisions

Left cross and right hook collisions occur when vehicles make turns in front of or into cyclists. Both drivers and cyclists must be attentive and cautious, especially at intersections.

Impaired Driving or Riding

Operating a vehicle or bicycle under the influence of alcohol or drugs impairs judgment and reaction times. This is highly dangerous; never drink and ride.


Excessive speed reduces a driver’s ability to steer safely around curves or objects in the roadway. It extends the distance necessary to stop a vehicle. It also increases the distance a vehicle travels while the driver reacts to a situation.

Lack of Visibility

Limited visibility due to weather conditions or nighttime driving can make it difficult for drivers to see cyclists. Cyclists should always use front and rear lights. Reflective gear makes sure you stand out to drivers.

Mechanical Failures

Bicycle accidents can also be caused by mechanical issues such as brake failures or tire blowouts. Regular maintenance and checks are essential for preventing such incidents.

RSH Legal Handles Bicycle Injury Cases in Manchester & All Across Iowa

Call us today for a FREE case evaluation! If we take your case, you still won’t pay unless we win. Call us at 319-409-6575.

<span>Tim</span> Semelroth
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Tim Semelroth

Board-Certified Trial Attorney

<span>Pressley</span> Henningsen
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Pressley Henningsen

AV-Rated Trial Attorney