As a cyclist, you’ve chosen a sports activity that puts you on the road with many vehicles.  No one needs to tell you that drivers have much more physical protection than you do on your bike, and so you, as the cyclist, is most at risk of injury. In 2018, 857 cyclists died in motor vehicle accidents, which is the deadliest year in almost 30 years. (NHTSA

While you take every precaution to be safe on the road, many factors are out of your control, and it’s possible that something could happen.

If you’re involved in an accident, your impacts aren’t just physical…they can also be financial.

Be sure you and your loved ones are protected if something happens. Below are several issues to consider to build a solid protection plan. If your current agent or company isn’t suggesting such protection options, then it’s time to consider a new provider.

Auto Insurance

Protection from underinsured & uninsured drivers.  Not all drivers carry the higher bodily injury coverage limits necessary to pay for injuries caused to others in a severe accident. Some drive without insurance. If you are seriously injured by one of these uninsured or underinsured drivers, there is a way that you can buy protection for yourself through your auto insurance policy. We’d be glad to review this coverage with you.

Liability Insurance

What happens if you are at fault for injuring someone while on your bike? What if a blowout or something else causes you to lose control? You could injure another cyclist or swerve into traffic, causing an accident as vehicles swerve to avoid you. As a result, you might be sued for injuries or damage to property.  You’re not in your car, so this is where your homeowners/condo/renters and personal umbrella liability policies will protect you. Do you have enough protection?  Do you have umbrella liability coverage?

Disability Insurance

What happens if you’re injured and can’t work? Could you pay your bills for an extended period if you were injured and out of work? Disability insurance can help remove financial struggles while you recuperate from an illness or injury. Even if you have some disability protection from your employer, it may not be the maximum coverage you could get. Let us help you evaluate your current safety and options.

Life Insurance

If the worst happened, you want to know that your loved ones would be okay financially. Although it might be difficult to think about needing life insurance, but given the extra risk you have compared to others who aren’t cyclists, you need to ensure you are prepared. Mortgage, income, household, education expenses, etc., are all things to consider when planning for the future of those you care about most. We can help you work through the planning evaluation and options for protection.

Time to Review? We’re Happy to Help!

Murphy Insurance would welcome the opportunity to assist you if any of the above has hit a nerve. We can review your current policies to ensure you’re well protected.

Please Contact Us to let us know how we can help.  Or, if you have a specific request, please view our Get a Quote page.

Read Other Blog Posts

Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.
Smoke Detector

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.
Flooding

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
Deer

Defensive Driving to Avoid Deer Collisions

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.
Driving Car

Factors Affecting Your Car Insurance Rate

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:
Insurance Policy

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.
Spam Phishing Scam

Recognize Spam and Phishing Emails

As more of our daily lives move into cyberspace, hackers, cybercriminals and spam bots may lurk behind every new message that shows up in your inbox. Even robust spam filters may not be able to catch every unwelcome email. Fortunately, you can act as an additional line of defense for yourself and your electronic devices by understanding the warning signs of spam and phishing emails.
Distracted Driving

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.
Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.

Visit Our Personal Insurance Page

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.