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Bicycle Accidents

We are experienced attorneys serving bicycle accident victims in Fort Collins and Northern Colorado and we produce the results to back it up.

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Injured Bicyclist


We recovered over $900,000.00 for a Fort Collins cyclist injured after a driver failed to stop at a red light.

Bicycle Accidents

About Us We are a collaborative team with the ability to deliver for you.

All of our lead attorneys have extensive litigation experience against insurance companies. Our attorneys have secured multi million-dollar judgments and settlements. Many of our attorneys previously worked defending insurance companies. Now we use their experience and insight to advocate for our clients against those same insurance companies.

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We know how confusing it can be after an accident. Who will pay for your medical treatment? Should you talk with the insurance company? Here’s some common questions and answers as a starting point.

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  • Clients are often hesitant to submit medical expenses under their Med-Pay policy. Some fear that if they submit the medical bills then the insurance company will increase their rates or decline to renew their insurance policy. Thankfully, the Colorado Division of Insurance forbids insurance companies from penalizing injured people who use Med-Pay. This includes raising their insurance rates or refusing to renew a policy because an injured person submitted medical bills to Med-Pay.

  • Some people try to settle their personal injury case without a lawyer. They think that lawyers are too expensive, or that they can do it on and get the same result. This approach rarely works. The insurance companies’ lawyers and adjusters are skilled at lowballing people who do not have a lawyer. Injured people are not aware of what damages they can recover and fail to ask to be compensated appropriately.

    We frequently see insurance companies offer injured people a small amount of money to settle their claim, even though their damages are ten times that amount. Some clients come to us after they have battled the insurance company for years and gotten nowhere.

    Hiring a personal injury attorney will result in a better recovery for you. At HSD Law, we pride ourselves on making sure we add value to every clients’ case. Hiring an attorney provides numerous benefits:

    • Insurance companies more fairly evaluate claims once an injured person is represented by a lawyer. If an insurance company lowballs our client, then it faces litigation.
    • We read the fine print in all available insurance policies—this includes both the at-fault party’s insurance policy and our clients. We check to see if the at-fault party has an umbrella policy, or if there is additional coverage under an employer. We review our client’s policies for Med-Pay Coverage and Uninsured / Underinsured Motorist Coverage to ensure that no money is left on the table. We also help negotiate any subrogation claims that are asserted by a client’s health insurance, Medicaid, or Medicare.
    • We maximize clients’ financial recovery because we know which categories of damages an injured person can recover. We work with our clients to articulate their economic and non-economic damages and gather the evidence to support the claim. When a client’s injuries result in permanent impairment, we are experienced at attributing a monetary value to the claim.
    • We make the insurance company pay the full amount billed for your medical services—not the amount actually paid for the services by your health insurance, Medicaid, or Medicare.
    • We are skilled at valuing a client’s non-economic damages—this includes pain and suffering, inconvenience, and loss of enjoyment. The more severe the injuries, the greater the non-economic damages. Knowing how to evaluate, articulate, and demand payment of non-economic damages can only be gained through years of experience handling these types of claims.
    • We pay close attention to how the injuries will affect our clients in the future. We speak with doctors regarding future medical treatment our client needs and then calculate the client’s future medical expenses. When appropriate, we also consult with economists regarding what income a client will lose in the future and to calculate a client’s diminished earning capacity.

    Don’t go it alone. Together we can achieve excellent results.

  • Uninsured or Underinsured Motorist Coverage, also called UM/UIM Coverage, is insurance coverage that you purchase to protect yourself from being in an accident with someone who has no insurance, or only very little insurance. UM / UIM Coverage is especially important in Colorado, where some liability policies only total $25,000 and there are many uninsured motorists. UM / UIM coverage must be offered to purchasers of liability insurance. The amount of UM / UIM coverage can range from $25,000 to over $300,000.

    UM / UIM typically works as follows. If a motorist with only $25,000 in insurance coverage causes you $50,000 in medical expenses, then you would first collect the $25,000 from the at-fault motorist. Once those funds were collected, you would then submit a claim under your UM / UIM coverage for the rest of your damages.

Overview Here’s everything you need to know.

Bicycling is a form of transportation and recreation for many people, especially in Colorado.  While bicycling has many benefits, including physical health benefits and the benefit to the environment, it also puts you at risk of being involved in an injury-causing accident.

Although more and more communities are integrating bicycle lanes and bicycle awareness, the interaction between motor vehicles and bicycles remains a source of concern.  Motor vehicle versus bicycle accidents occurs daily.  However, bicycle accidents are not limited to accidents between bicycles and vehicles.  Bicycle accidents can occur as a result of a dangerous condition where you are riding, including issues with streets and parking lots, signage, and debris.  Cyclists can also suffer an injury while on their bicycles due to at-large animals, such as vicious dogs.

Bike accidents caused by a negligent motorist

Motor vehicle versus bicycle accidents most often occur because of a failure of the driver of the motor vehicle to see the bicyclist.  This occurs even if the cyclist is riding legally on the street, sidewalk, or in the bike lane.  Examples of negligent vehicle operation leading to injuries include:

  • The negligent crossing of the vehicle through the bike lane
  • Failure to see a cyclist who is crossing at the intersection
  • Distracted Driving
  • Failure to see a cyclist riding on the sidewalk
  • Failure to see a cyclist in the bike lane when opening a vehicle door

Bike accidents caused by Dangerous Conditions

You may have a claim against a landowner if you are injured on your bicycle on the property of another.  Landowners often fail to maintain roadways and parking lots resulting in an accident.  Common types of surface hazards include:

  • Pot holes
  • Failure to remove snow or ice
  • Poor signage
  • Blind Corners
  • Poor design of road or parking lot
  • Unmarked hazards
  • Unmarked drop-offs

Regardless of how your bicycle accident occurs, it is important to document what occurred at the time of the accident, if possible.  Report the accident to the local police department and take photographs if appropriate.  Take down the information of where the accident occurred and any witnesses to the accident.  Do not have your bicycle immediately repaired.

Types of Injuries Resulting from Bicycle Accidents

Bicycle accidents are known to cause serious injuries even if you are wearing a helmet at the time of the accident.  These injuries include:

Traumatic Brain Injury- Serious bicycle accidents can result in traumatic brain injuries.  Symptoms of a traumatic brain injury include: Headache, nausea and vomiting, dizziness, loss of coordination, disrupted sleep patterns, and depression and mood swings.  Seek medical treatment immediately if you are experiencing these symptoms after your bicycle accident.

Spinal Cord Injury- Spinal cord injuries are a result of trauma to your vertebrae which protect your spinal cord.  Spinal cord injury symptoms include: extreme back pain or pressure in your neck, head or back; weakness, incoordination or paralysis in any part of your body; numbness, tingling or loss of sensation in your hands, fingers, feet or toes, and; loss of bladder or bowel control.

Broken Bones- Broken bones are a common injury in a bicycle accident.  Broken bones often require that medical hardware be installed to facilitate healing of the bone.  In some cases, the hardware will become bothersome to you and require removal.  Hardware removal is an added expense.

Rotator Cuff Injuries- Cyclists often tear their rotator cuff in bicycle accidents by flying over the handle bars or by landing on their arm or shoulder.  Repairing a rotator cuff often requires surgery.  Rehabilitation from the surgery can take months and can limit you from enjoying recreational activities until your repair is fully healed.

Bicycle Accident Claims

When you are injured in a bicycle accident you may have several ways to obtain compensation.  If you are injured because of the negligence of a motor vehicle driver, you may have claims against that driver’s insurance as well as your own uninsured/underinsured motor vehicle insurance.  There may be a homeowner’s policies or general liability policies that apply to your claim as well.  Contact the attorneys at HSD Law firm for an evaluation of your claim.