Bicycle Accident Law

Bicycle Accident Law Coast-to-Coast Bicycle Accident and Personal Injury Lawyers from Florida to Oregon. We understand the cyclist and injured party’s point of view.

The Scarborough Bike Accident legal team will take over the hard work and reach the right solution for you.

Who else is lining up this weekend? Rig choice? Tire choice? Mud or will it dry up?
05/26/2026

Who else is lining up this weekend? Rig choice? Tire choice? Mud or will it dry up?

05/25/2026

5 years ago I was assaulted on my bike in Florida. I thought I was going to die.

That’s why I do this. That’s why we fight for every cyclist who’s been hit, threatened, or left on the side of the road.

A few more days until Unbound. See you in Emporia.

Your kid’s e-bike goes 28 mph.A moped going 28 mph requires a license, registration, and insurance. An e-bike going 28 m...
05/24/2026

Your kid’s e-bike goes 28 mph.

A moped going 28 mph requires a license, registration, and insurance. An e-bike going 28 mph requires nothing. No helmet law for adults in most states. No license. No training. No insurance requirement in most states. Nothing.

And the injuries are catastrophic.

E-bike ER visits for minors have increased over 300% since 2020. The most common injuries: traumatic brain injury, facial fractures, broken collarbones. These aren’t scraped knees. These are life-altering injuries happening to 13 and 14-year-olds going 25 mph with no protection.

But here’s what most parents don’t know — and what terrifies me as an attorney:

If your kid hits a pedestrian on their e-bike, your auto insurance won’t cover it (excludes vehicles with fewer than 4 wheels). Your homeowner’s insurance probably won’t cover it either (most policies exclude “motorized vehicles”). And almost nobody carries an e-bike-specific policy.

Your kid causes $200,000 in injuries to a pedestrian. Who pays? You. Out of pocket. Unless you’ve specifically addressed this gap.

And if your kid is hit BY a car while on their e-bike? Whether your UM/UIM covers them is genuinely unclear. Most states say e-bikes aren’t motor vehicles. Most auto policies exclude motorized vehicles with fewer than 4 wheels. Those two things contradict each other. Nobody can tell you if you’re covered until you file a claim and fight about it.

That’s how broken this is.

What to do today:

1. Call your auto insurer and ask specifically: does my UM/UIM cover my household members while riding an e-bike?
2. Check your homeowner’s policy for motorized vehicle exclusions
3. Ask about an e-bike rider policy or umbrella policy
4. Require a helmet. The law won’t. Physics doesn’t care about the law.

Send this to every parent you know. Most of them bought an e-bike for their kid without thinking about any of this.

If your child has been injured on an e-bike. DM me.

in 3.That’s how many drivers on the road right now are either uninsured or underinsured. Not a guess. Not a scare tactic...
05/23/2026

in 3.

That’s how many drivers on the road right now are either uninsured or underinsured. Not a guess. Not a scare tactic. That’s the Insurance Research Council, 2025.

33.4% of the drivers you share the road with every single ride cannot pay for your injuries if they hit you.

In Florida, it’s worse. Florida doesn’t even require drivers to carry bodily injury liability insurance. The driver who breaks your collarbone may legally carry $0 in coverage for your medical bills.

But this isn’t just a Florida problem.

In 38 states, the minimum required coverage is $25,000. That’s one ambulance ride. One ER visit. Maybe an X-ray. Your surgery? Your rehab? Your lost wages? Your bike? That’s on you.

Unless you carry UM/UIM.

Uninsured/Underinsured Motorist coverage is the only thing that protects YOU when the driver’s insurance isn’t enough. And here’s what most cyclists don’t know: it covers you on your bicycle. Not just in your car.

Call your auto insurer today. Ask for the highest UM/UIM limits they offer. $250K/$500K costs most people an extra $15-$30/month. That’s one coffee a week to protect yourself from financial ruin.

You are sharing the road with 70 million drivers who can’t pay for what they break. Protect yourself.

Send this to your riding group. They need to see these numbers.

I’ve been riding for 34 years. I’ve been harassed. Threatened. Assaulted by drivers. I train for Unbound. I know what a ...
05/22/2026

I’ve been riding for 34 years. I’ve been harassed. Threatened. Assaulted by drivers. I train for Unbound. I know what a 4-hour base ride in January feels like. I know what it costs — in time, in money, in sacrifice — to build the fitness to finish Unvound

I also know what it feels like to have that taken from you.

When a cyclist walks into most law firms, they have to explain what a groupset is. They have to explain why their bike costs more than a used car. They have to explain what it means to lose a season. They have to explain why this isn’t just a “hobby.”

You shouldn’t have to explain your life to your lawyer.

We sponsor the Bonk Bros. We work with Ted King. We sponsor athletes racing gravel nationally. We’re fighting for Gabbi & Niki’s Law — mandatory minimums for hit-and-runs, vehicle forfeiture, a victim compensation fund. We show up at the start line. We’re in the paceline, not just the courtroom.

And when the insurance company won’t pay what your case is worth — we don’t just negotiate. We try cases. In front of juries. Most personal injury firms have never seen the inside of a courtroom. They settle for less because they can’t back it up. We can. We have. And insurance companies know it.

This is who we are. We built this firm because cyclists deserve a lawyer who actually understands what was taken from them — not just the medical bills, but the training, the goals, the identity — and who will take it all the way to trial if that’s what it takes.

Your lawyer should ride with you. Not just represent you.

Scarborough Bicycle Accident Law. With You on Every Ride.

A driver turned left into a cyclist. Didn’t look. Didn’t signal.The cyclist: $94,000 surgery. Titanium plates. Six month...
05/22/2026

A driver turned left into a cyclist. Didn’t look. Didn’t signal.

The cyclist: $94,000 surgery. Titanium plates. Six months off the bike. A year of physical therapy.

The driver: $166 fine. No points. No criminal charge. No jail. Life goes on.

This is not an outlier. This is the system.

Gabbi Suver was sideswiped and left on the side of the road. Her spine was fractured in three places. She spent 29 days in the hospital and 16 days in intensive rehab learning to walk again. The trooper assigned to her case went on vacation. The driver has never been found.

Niki Isaak was hit by reckless motorcyclists during a race. Over $240,000 in hospital bills. The only charge? A citation for careless driving. The same penalty you get for rolling through a stop sign.

Florida has the highest cycling fatality rate in America. 207 cyclists killed in 2024 alone. The law lets this happen.

We are done waiting for the system to fix itself.

Gabbi & Niki’s Law demands:
→ Mandatory minimums for hit-and-runs
→ Vehicle forfeiture
→ A victim compensation fund

This isn’t a suggestion. It’s a proposed bill. And we need your signature to make it real.

Sign the petition. Link in bio.

Your Garmin doesn’t just prove fault. It proves your damages.Every personal injury lawyer in America knows how to add up...
05/21/2026

Your Garmin doesn’t just prove fault. It proves your damages.

Every personal injury lawyer in America knows how to add up medical bills. We do something different. We pull your power data.

When you get hit by a car and you lose months — sometimes years — of fitness, the standard legal framework calls that “loss of enjoyment of life.” It sounds abstract. Juries hear it and they don’t know what to do with it.

But when I show a jury your FTP trending from 150 watts to 280 watts over two years of consistent training — and then a red line on the date of the crash — and then a flatline at 180 watts for the next 8 months — that’s not abstract anymore. That’s a graph. That’s undeniable. That’s your life measured in watts, and the exact moment someone took it from you.

We use your training data to prove:

→ This wasn’t a hobby. Your volume, your consistency, your progression — this was your life.
→ You were building toward something. A race. A PR. A goal. And you were on track.
→ The crash didn’t just break your body. It broke your trajectory. The months of zero. The rebuild that starts from scratch. The watts you may never get back.

Your CTL chart tells a story a jury can see. Your FTP history is a timeline of dedication — and then destruction. Your Garmin recorded every single watt.

No other firm does this. We do. Because we ride too. We know what it means to lose fitness you spent years building. We know what CTL means. We know what it feels like to watch your form arrow point down for months and wonder if it’s ever coming back.

If you were hit and you train with power, your data is worth more than you think. DM me.

Why do I give you this information- I worked for insurance companies as one of their lawyers for years before I opened m...
05/20/2026

Why do I give you this information- I worked for insurance companies as one of their lawyers for years before I opened my cycling practice. I know the tricks and how to use them against these companies. It was excellent training in and out of the courtroom for what I do now- representing cyclists throughout the country.

The insurance adjuster will call you within 48 hours of your crash. They will sound friendly. They will sound concerned. They are not your friend.

They are trained to get you to say three things:

1. “I’m doing okay.” → They will use this later to argue your injuries aren’t that serious. You’re in shock. You’re running on adrenaline. You have no idea how bad it is yet. Anything you say about how you feel in the first 48 hours becomes their evidence that you weren’t really hurt.
2. “Here’s what happened…” → They are recording you. They didn’t tell you that. Anything you say that is even slightly inconsistent with the police report — a detail you forgot, a sequence you got wrong because you were concussed — becomes ammunition to deny your claim entirely.
3. “I just want this resolved.” → They will offer you a check. It will feel like a lot. It is not. They want you to accept before you get the MRI. Before you see the specialist. Before you find out you need surgery. Before you know what this actually costs.

Here is what you need to know:

You are NOT required to speak to them.
You are NOT required to give a recorded statement.
You can say “I am represented by counsel” and hang up.

Even if you don’t have a lawyer yet.

That one sentence ends the conversation and protects everything. Say it. Hang up. Then figure out your next move.

Send this to your riding group. They need it before they need it.

Fun afternoon answering questions from about real and strange legal/cycling topics. Look and listen for the “legally bo...
05/20/2026

Fun afternoon answering questions from about real and strange legal/cycling topics.

Look and listen for the “legally bonked” segment coming soon.

Your Garmin is your witness.I’ve used Garmin data to win cases where it was the cyclist’s word against the driver’s. The...
05/20/2026

Your Garmin is your witness.

I’ve used Garmin data to win cases where it was the cyclist’s word against the driver’s. The driver said my client “came out of nowhere.” The Garmin showed my client was traveling 18 mph in a straight line in the bike lane for 400 meters before impact. Case closed.

Most cyclists think their Garmin tracks their rides. It does. But it also:

→ Records your exact GPS position at the moment of impact — proving you were in the bike lane
→ Logs your speed — proving you weren’t “flying” when the driver says you were
→ Captures your heart rate spike — timestamping the exact second of the crash
→ Stores it all in a .FIT file — timestamped, GPS-verified evidence that cannot be disputed in court

And if you have incident detection turned on, it sends your GPS location to your emergency contacts the moment it detects a crash. Your family knows where you are before the ambulance arrives.

Turn it on. Set your emergency contacts. It takes 2 minutes.

Your ride file is evidence. Do not delete it. Do not sync over it. If you are ever hit, that file might be the most important thing you have.

Thank you for building a device that doesn’t just track our rides — it protects us when things go wrong. Every cyclist should know their ride file is evidence.

We use these in court everyday. Call or DM with any questions

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Tampa, FL

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