Kansas City, MO personal injury attorney Rachel Smith talks about the biggest challenges of bike accident cases. The biggest challenge in a bike accident case is finding adequate coverage. When someone is hit on a bicycle or motorcycle, it’s like taking a fist to a gunfight—they’re never going to win. Many of these cases involve catastrophic injuries, often brain injuries, even with a helmet. The trauma of encountering a moving vehicle is so extreme that, even if the driver has a $25,000, $50,000, or $100,000 policy, it often falls far short of covering medical bills and adequately compensating the victim for broken bones, brain injuries, or other serious injuries. For this reason, attorneys work diligently to find additional coverage, but sometimes policy limits are simply insufficient. This underscores the importance of having underinsured and uninsured coverage. Additionally, cyclists should stay vigilant, aware of their surroundings, and take precautions to avoid accidents whenever possible.