In Your Corner: Cyclist Hit By Uninsured Motorist

By Ryan Elijah

June 18, 2010 Updated Jun 4, 2010 at 6:17 PM EDT

Tom Renz has experienced many close calls in his 30 years of cycling, he's been yelled many times by motorists and even had someone toss a firecracker at him, but nothing compares to the horror he experienced one month ago.
Tom Renz "the front tire hit and it threw me into the air and I had direct impact on my left side"
On July 18th, Tom was struck at this intersection of Yoder and Coverdale, he was thrown from his bike and landed on his left side. He suffered a broken collarbone and 3 broken ribs and his helmet was cracked in 3 places.
"if not for the helmet, I don't think I'd be talking to you today"
The driver that hit Tom was cited for 3 citations, failure to stop at a stop sign, suspended license and driving without any insurance
Recent estimates show 1 in 5 motorists in Indiana has no insurance, what that means to you as driver or as a cyclist is that you have to protect yourself.
Dave Farnbauch/Sweeney Law Firm "if you get hit by someone without adequate insurance you have to rely on uninsured motorists coverage to pay your medical bills, lost wages and injuries. Even though Mr. Renz was injured on a bicycle, he can recover from his auto insurance policy because he was injured by an uninsured automobile. The same holds true if he had been injured as a pedestrian, being struck by an automobile"

Dave Farnbauch is an injury lawyer with Sweeney Law Firm, he says it critical to carry coverage protecting yourself against uninsured and under insured motorists. At least 100-thousand dollars of coverage is advised since medical costs and lost wages can add up quickly.
The Renz's are working with Sweeney Law Firm to pursue their legal options, as for Tom's cycling, this accident won't deter him from riding again.
"I'll ride again, it's in my blood"
. Our research found an average of 700 cyclists have died each year on roadways in the past decade. It turns out nearly 75 percent of drivers were not cited in the accident. Cycling deaths account for about 2 percent of all road fatalities. Tom is hoping his accident brings awareness to cycling safety, not only on the roads, but through insurance protection.

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