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Crash Insurance(5 posts)

Crash Insurancemapman
Aug 16, 2001 3:44 AM
A while back I recall seeing an add or member benefit about crash insurance. Anyone know a company or organization that provides this bene for the bike? 1 good crash can really ruin not only the bike but the wallet too.
re: Crash Insurancewscott
Aug 16, 2001 4:54 AM
I've looked into this as well. Here is what I know:
1) If you race, then you can get race insurance through USA cycling, this covers bike, wheel and components replacement if your bike is damaged at a USCF race, $250 deductable, only covers USCF events, it was about $50 to insure a $3500 bike. This is a good thing, since I would thing your by far most likely to wreck your bike in a race.
2) If you're not racing, and you just wreck your bike out riding and it's your fault, you are SOL. I've called insurance companies and had an insurance agent on another newsgroup tell me that insurance companies won't do a "no-faults" policy on bikes. I haven't been able to find anything otherwise, so if you find an insurance company that will insure you're bike against damage due to a wreck, let me know. I'm not quite sure what the rationale behind this is, but the insurance agent who gave me this info. said she had brought it up at meetings before, and everyone thought she was nuts for even suggesting it.
State Farmjtolleson
Aug 16, 2001 6:41 AM
After I totalled my old Cannondale R900 in a crash, my State Farm agent told me they would sell a rider to cover such events. But instead I put the money into a Ti frame banking that I'll never be able to crack it up. Statistically I'm hoping it is unlikely to happen again, and the most likely bike damage to non-racers like me is the old fall-off-the-bike-rack or get rear ended with it in the back or have it stolen. And the good news is that those kinds of losses are covered by insurance policies (auto and homeowner's) that I've already got.

And if I have a crack bad enough to bust up the ti frame, it can be replaced from my life insurance proceeds!!!
hone your riding skills insteadclub
Aug 16, 2001 10:05 AM
just stop crashing. I ride CO singletrack daily and haven't crashed in like 5 years, because 1. I learned to ride on a rigid bike so I know how to use my body and 2. I don't ride like an idiot; instead, always ride singletrack like you'd want somebody else to if they were coming in your direction. If you can't master #2 then you should look into "punched in the nose insurance," because if you come railing downhill on the edge of control and run into me, you will need it.
It isn't that simple...jtolleson
Aug 16, 2001 10:51 AM
First of all, this is a road discussion, so the singletrack analysis may or may not apply.

But blaming all crashes on pilot error (as you did in your snotty little post) is completely unrealistic. Obstacles, chains breaking, high-speed front end blowout (the cause of my crash on a mountain decent) and plain 'ole bad luck can play a role.

The question re: insurance is completely legitimate, and the "I'm too good to crash" attitude sounds like a recipe for bad karma to me.