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Question Insurance for your Bike(8 posts)

Question Insurance for your Bikeshoalin
Jun 5, 2003 1:31 PM
Do you buy insurance for your bike? If you don't what happend if you hit someone.
Grasshopper does not understand the question...Brooks
Jun 5, 2003 3:36 PM
Please enlighten me. Are you asking about who pays the medical bills if I run over a pedestrian with my bike? Or who pays for my bike when it hits a car? Homeowners (or renters) insurance covers theft, nothing that I'm aware of covers bike-related injuries, except maybe your own medical insurance. You could get sued civilly for medical costs if you injure someone else.
Your homeowners / renters covers youpitt83
Jun 5, 2003 4:04 PM
I have an embarrasing crash story here. I was riding to work after a 40 mile training ride and was determined not to be late. I cresed a hill less than 1 mile from work. I checked the road at the crest; all clear. I went for the drops and hammered. Never saw the Subaru that was parked there. I went through the rer window; my shoulder hit the D pillar and my head went into the roof leaving wind vein indentations.

Car and bike were totaled; I didn't fare well either. Broken collarbone and lots of stitches and glass.

The damage was my fault. My homeowners paid for the car and my bike with replacement value.

Lately though, homeowners claims are a bad idea. You could get dropped for even asking if you're covered for something or what coverage could be arranged. Makes no sense, I know.
Your homeowners / renters covers yourussw19
Jun 5, 2003 6:54 PM
Homeowners... For theft at least. My bike was stolen out of the back of my Range Rover at school back around Thanksgiving. Homeowners paid for it, but it took them forever to do so. I think they forgot about my claim, because after 6 weeks of hearing absolutely nothing from them I called them irate and demanded to know what was going on. I got the check 3 days later.

How did that total the car?jw25
Jun 6, 2003 5:25 AM
I can see the rear window needing replacement, and some general bodywork, but totalled?
Pretty damn impressive if true, though. I'd have shot pictures and framed them.
Roof was dented beyond safetypitt83
Jun 6, 2003 5:42 AM
Structural integrity of the unibody was comprimised.

That road is cursed; wide as a boulevard and only 1/2 a mile long, but no traffic. I can name too many accidnets. A friend got wiped out by a flying garbage can. Another hit a roaming cat and crashed badly. Really amazing; one of those "power spots"
dude, you're a badass!gidget
Jun 6, 2003 9:06 AM
i want to ride with you the next time i'm in traffic!
re: Question Insurance for your BikeDrone 5200
Jun 5, 2003 7:23 PM
I believe that a general umbrella policy would cover your liability to others for personal injury or property damage you might do with your bike by accident.