If you are involved in an accident while riding your bike, and with a motor vehicle, consider doing the following:
1. Medical care comes first -are you injured? Does an ambulance need to be called? do the police need to be called? Are you able to call or does someone need to call on your behalf. Do not attempt to move if you are seriously injured -- unless remaining where you are puts you at greater risk (ie in the middle of a road). If your neck or back are hurt, try to remain still and ask someone to stabilize you/block traffic/redirect traffic so that you can remain where you are.
2. If the driver flees the scene, even if you are injured, do your very best to note the vehicle type/color/plates/driver description or ask a bystander to help you with this. If the driver stays around you should not say ONE WORD to the driver. (when this happens cyclists tend to blurt out "i'm so sorry" or "it was my fault" KEEP YOUR MOUTH SHUT. but-listen for statements like this from the driver, i.e. "I didn't see you."
3. Whether or not your injuries do not warrant an ambulance/medical care -- this is a judgment call. If you are harmed, allow medical care providers to render care to you. This is why you have health insurance! Do not decline an ambulance ride if you think you may have serious injuries. Make your medical care top priority. Document all of your healthcare needs and services provided to you. Keep copies of all of the paperwork given to you at the hospital. Keep receipts of deductibles you pay, prescriptions you fill, etc.
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