The fastest way to protect your claim is to act while key information is still fresh.
- Get medical care immediately (urgent care, ER, or a treating clinician). Even “minor” injuries can worsen.
- Report the crash when appropriate and ask whether officers can document roadway conditions, vehicle positions, and witness information.
- Document the scene: roadway layout, traffic signals/signs, lighting conditions, any debris, and where your bicycle was positioned.
- Save your proof: photos of damage to the bike and helmet/gear, medical paperwork, and any repair estimates.
- Write down names and details of witnesses while you still remember them.
Pennsylvania injury claims often turn on whether the story of the crash matches the medical record. Acting early helps prevent gaps that insurers may later use to reduce or deny benefits.


