Most cyclists fairly believe that as long as they have insurance, they will be covered in the event of a Maryland bicycle accident. However, insurance contracts can be tricky, and insurance companies often try to interpret insurance contracts in their own favor, potentially limiting the amount of coverage provided to a motorist and at the same time limiting the insurance company’s overall risk.
In some cases, the insurance company has little to do but settle a case fairly. However, other cases present unique situations in which an insurance company’s clever argument may result in a decrease in the company’s obligations. A recent case illustrates one insurance company’s attempt to characterize the deaths of two bicyclists as a single “accident” under the terms of the policy.
The Facts of the Case
The plaintiff in the case was the surviving wife of a man who was killed in a bicycle accident that was caused by a negligent driver. At the time of the accident, both the plaintiff and her husband were riding on the shoulder of the road. Weather conditions were clear. At some point, a driver came from behind at about 50 miles per hour and first struck the plaintiff’s husband. He was thrown about 165 feet from his bike.