Texas Transportation Code §551.101 grants cyclists the same rights and duties as drivers. In El Paso, bike lanes along Yandell, Mesa, and downtown all bring increased cyclist traffic.
Common crash scenarios
- Right hooks — driver turning right cuts off cyclist
- Door zone — cyclist hits opened car door
- Left cross — driver turns left across cyclist's path
- Sidewalk re-entry — cyclist enters roadway from sidewalk
Liability and coverage
Driver bodily injury liability pays the cyclist's medical bills and damages. PIP can extend to cyclists struck by the insured vehicle. Comparative negligence applies.
Higher limits matter
Cyclist injuries — especially head injuries — often produce six-figure claims. State minimums won't cover them. 100/300 plus umbrella is the safe baseline.
Frequently asked questions
Do cyclists have the same rights as cars in Texas?
Yes, under Transportation Code §551.101.
Does my auto insurance cover hitting a cyclist?
Yes — bodily injury liability covers their medical and damages. PIP can extend to them as well.
Should I carry more liability if I drive where cyclists ride?
Yes. 100/300/100 minimum and a $1M umbrella are strongly recommended.
What if the cyclist was at fault?
Comparative negligence reduces their recovery. Above 50% fault on their part bars recovery.
Should I call police even if the cyclist seems fine?
Always. Head injuries appear late, and a police report protects everyone.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.