In Connecticut, cycling is a favored way to commute and enjoy the outdoors. However, when bicycles and motor vehicles share the road, collisions can happen—sometimes resulting in catastrophic injuries and life-altering outcomes. In 2021 alone, the National Highway Traffic Safety Administration (NHTSA) reported that 966 cyclists were killed in traffic crashes across the United States. Given Connecticut’s mix of urban and suburban roads, cyclists face various hazards, from distracted drivers to poor road conditions. If you are involved in a bicycle accident, understanding the legal steps to take will make a major difference in protecting your rights and securing compensation for injuries and damages.

Immediate Actions After a Bicycle Accident

1. Ensure Your Safety and Get Medical Attention

Your first priority after a bicycle crash is assessing injuries. If you or anyone involved is seriously hurt, call 911 immediately. Even if injuries seem minor, seeking medical attention is essential, as some conditions, such as concussions or internal injuries, might not present symptoms right away. Additionally, medical records will act as critical evidence if you pursue a personal injury claim.

2. Contact Law Enforcement

Connecticut law requires that any accident involving injury, death, or property damage exceeding $1,000 must be reported to the police. Even in cases where the damage appears minimal, having an official police report can support your claim by documenting important details, including driver negligence or road conditions that contributed to the crash. When speaking with officers, provide factual information but avoid speculating about fault or downplaying injuries.

3. Gather Evidence at the Scene

If possible, collect evidence that could help establish liability. Key steps include:

• Taking photos of your bicycle, the vehicle involved, road conditions, traffic signals, and any visible injuries.
• Obtaining contact and insurance details from the driver involved.
• Collecting statements and contact information from eyewitnesses.
• Noting surveillance cameras in the area that may have captured the accident.

The more evidence you gather, the stronger your case is going to be when dealing with insurance companies or pursuing legal action.

Legal Considerations Following a Bicycle Accident

1. Determining Fault and Liability

Connecticut follows a modified comparative negligence rule, this means that an injured cyclist can recover damages as long as they are not more than 50% at fault for the accident. However, their compensation will be lowered by their share of fault. For instance, if a cyclist is found to be 20% at fault and awarded $100,000 in damages, they would receive $80,000 after the reduction.

Key factors influencing fault in bicycle accidents include:

• Whether the motorist failed to yield the right of way.
• Whether the cyclist was riding in compliance with Connecticut’s bicycle laws, such as using bike lanes where available.
• If distracted driving, speeding, or intoxication played a role in the crash.

2. Filing an Insurance Claim

Connecticut is an at-fault state, meaning the party responsible for the accident (or their insurer) needs to cover damages. Injured cyclists have the right to pursue a claim against the at-fault driver's auto insurance to seek compensation for medical, lost income, and property damage. However, insurance companies usually attempt to minimize payouts. Before accepting any settlement, it’s advisable to consult a personal injury attorney who is going to review the offer and negotiate for fair compensation.

3. Understanding Time Limits for Filing a Lawsuit

Connecticut has a two-year statute of limitations for personal injury claims arising from bicycle accidents. This means an injured cyclist must file a lawsuit within two years from the date of the incident. Failure to do so can result in losing the right to seek compensation.

Exceptions to this deadline exist, such as cases involving government liability (e.g., accidents caused by poor road maintenance), which may have shorter notification periods. Seeking legal guidance as early as possible ensures compliance with all deadlines.

Compensation Available to Bicycle Accident Victims

If a bicycle accident claim is successful, compensation may cover:

• Medical Expenses – Includes hospital bills, rehabilitation costs, and future medical treatments.
• Lost Wages and Reduced Earning Capacity – Compensation for income lost due to the inability to work.
• Pain and Suffering – Addresses physical pain and emotional distress.
• Property Damage – Covers the cost of repairing or replacing a damaged bicycle and related equipment.
• Punitive Damages – In rare cases where the driver’s actions were especially reckless (e.g., DUI-related crashes), additional damages may be awarded.

Preventative Measures for Cyclists in Connecticut

To lower the risk of accidents, cyclists should:

• Follow Traffic Laws – Ride in the same direction as traffic, obey signals, and use hand signals when turning.
• Wear Protective Gear – Helmets are not legally required for adults in Connecticut but are highly recommended for safety.
• Use Bike Lanes When Available – Connecticut law mandates that drivers provide at least three feet of clearance when passing cyclists.
• Increase Visibility – When cycling at night, equip your bike with both front and rear lights and wear reflective clothes to enhance visibility

When to Hire a Bicycle Accident Attorney

While minor accidents may be resolved through insurance claims, legal representation is often necessary when:

• The accident resulted in severe injuries or permanent disability.
• Liability is disputed, and the insurance company denies or reduces the claim.
• The settlement offer does not adequately cover damages.
• The accident involved government liability, such as dangerous road conditions or faulty traffic signals.

A personal injury lawyer who specializes in bicycle accidents will gather expert testimony, reconstruct the accident scene, and negotiate aggressively with insurers to maximize compensation.

Conclusion

Bicycle accidents often can result in serious injuries and financial burdens, making it essential to take the right legal steps immediately following a crash. Reporting the incident, gathering evidence, and seeking medical attention lay the groundwork for a strong claim. Connecticut’s comparative negligence laws and insurance regulations determine how compensation is awarded, so cyclists should be aware of their rights and deadlines for filing claims. When insurance negotiations stall or liability is contested, seeking legal assistance will help ensure fair compensation. 

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Connecticut bicycle accident claims can be challenging. Fortunately, you don't need to do it alone. The experienced personal injury lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.