Cycling is a great hobby that is enjoyed by countless Big Apple residents. It's also a convenient form of transportation in a city with crowded streets and frequent traffic jams. A bike can allow you to move quickly and directly from one place to another, all while getting enough exercise to build muscle and keep your heart healthy.

However, there are risks that come with cycling in a big city. All it takes is one distracted driver failing to notice you for a serious accident to happen. Even if you walk away with nothing more than a Broken arm or another similar injury, you could experience financial hardship as a result of the accident.

Broken bones require expensive medical treatment

While Broken Bones typically heal, that doesn't mean it's a quick path to recovery. You'll likely generate tens of thousands of dollars in medical and other bills along the way. You'll probably require trauma care immediately after the collision to look for other injuries, followed by x-rays or other expensive imaging tests. Depending on the severity of the fracture, doctors may set the bone and apply a cast, operate on the broken limb or place you in traction during the healing process.

This kind of care is expensive, especially if you have to stay in the hospital for days or weeks in traction, receiving skilled nursing care. Even after you're back home and the cast comes off, you'll see more expenses. You'll very likely require physical therapy to regain strength, flexibility and range of motion in the affected area. Several weeks of physical therapy can end up being a significant expense.

Broken bones often mean weeks of missed work

Depending on what you do for a living, your employer may or may not be able to accommodate your injury and a return to work while you heal. For some people, it may be possible to work with certain special accommodations, like a stool to prop up a fractured leg. In other cases, larger employers may be able to change your assignment or responsibilities to tasks you can still perform with your injury.

Not everyone is that lucky, however. Some people simply can't return to work until they heal. Others have injuries so serious that returning to work before undergoing rehabilitation is an impossibility. That could mean missing work while your bone heals and while you go through physical therapy.

Different bones have different healing times, but it could take several months for a full recovery. During that time, you may not have any income while you are simultaneously incurring major bills. Holding the driver who hit you accountable for the costs of your injuries may be the best option. After all, you shouldn't have to pay the price for someone else's bad driving just because you were on a bike.