Kansas City, MO personal injury attorney Rachel Smith talks about the biggest challenges of bike accident cases. She explains that one of the biggest challenges in bicycle accident cases is securing adequate insurance coverage. Being struck while on a bicycle—or a motorcycle—is inherently dangerous, and the injuries sustained can be catastrophic, including brain injuries even when protective gear like helmets is worn. The trauma inflicted by a moving vehicle often far exceeds the policy limits of many drivers. A $25,000, $50,000, or even $100,000 policy is frequently insufficient to cover medical expenses and provide fair compensation for injuries such as broken bones or traumatic brain injuries.

She emphasizes the importance of underinsured and uninsured motorist coverage for cyclists. At the same time, she stresses that bicyclists must remain vigilant and aware of their surroundings to minimize the risk of accidents whenever possible.