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Road Carnage! (just the bike)(8 posts)

Road Carnage! (just the bike)TNRyder
Oct 27, 2003 8:52 PM
On my way down to Austin last Friday evening for the Ride for the Roses on Sunday, I had a bit of trouble on the Interstate just south of Ft. Worth.

Something had fallen off of a truck, and the people in front of me rolled right over it. Whatever it was, was kicked up into the air and hit the van near the top of the windshield. I immediatly look in the rearview mirror to make sure the bike is still on the van, it wasn't! I pulled over immediately to find the bike attatched to rack and being drug behind the van by the one strap on the rack that did not brake! This was not good!

I quickly loaded my broken bike and rack into the van and continued on toward Austin. It was not until the following day that I was able to look the the damage. When I did get a look at it, it wasn't pretty, but it wasn't as bad as I had originally assumed it to be. The CF fork is gone, one leg is partially ground away. The non-drive side pedal is wasted, as is the saddle. The frame on this very new bike is scratched all over with a nice gouge in the head-tube. I was not riding 100 miles on this bike!

Fortunately, some people at the ride were able to direct me to the Treck reps. These guys gave me the hookup so that I was able to ride on Sunday! And what a sweet ride it was, A Lemond Zurich! I really enjoyed the ride, and consider myself fortunate to have been able to participate. Thanks go out the the guys from Trek who helped a guy out in a time of need! They even gave me a free pair of socks!

Now I just need to figure out how to deal with the insurance to get my bike repaired/replaced ASAP. Wish me luck!
Luck! nmrwbadley
Oct 27, 2003 9:44 PM
Dont use insuranceSkooter
Oct 28, 2003 1:40 AM
It will just jack up your rates. I am sure you can replace everything for about the same as your deductable.
Oct 28, 2003 6:45 AM
being as the damage was caused by another vehicle (kicked up the whatever), the claim should be filed under collision.

Even if the insurance-corrupt state of NJ that wouldnt affect your rates.
yup...thats what you pay premiums for (nm)ColnagoFE
Oct 28, 2003 8:19 AM
Damage to rack and bikeK-Man
Oct 28, 2003 8:41 AM
The damage to the rack would be a comprehensive loss under your auto policy since it was a "flying object" that caused the initial damage, bike would be covered under you Home Owners policy as I don't think your auto policy will cover the bike. 2 deductible would apply.

Check with your insurance company to verify.

Oct 28, 2003 8:52 AM
It is an odd situation, and also depends on your policy, the company, and the agent. Some companies will cover items in the car that are not permanantly attached, others won't. When my Jeep was stolen, my Mtn Bike was in the back. They did NOT cover my bike and stated I would have to make a claim to my homeowners insurance, which the deductible was $500, and the bike was of perhaps marginally that amount, so I just ate the loss. The stereo and speakers were replaced, however the cds were not.

Now, I had another friend who had his stereo and CDs, a PDA and Books stolen out of his car and HIS insurance DID cover it, but once again, it came out of his deductible. Now, Im guessing the technicalities will involve how the rack was attached... you indicated with straps... which looks like homeowners... but again...just talk to your agent. Hopefully you have a good relationship. I have everything through my agent... 2 cars, 2 life, homeowners...etc, so I have a feeling he would eat somthing like that in that case... but that is just my opinion.

No local agent but.....TNRyder
Oct 28, 2003 5:01 PM
I have talked to two different agents/adjusters and there seems to be some confusion on the rack. One person says that it should be covered under property, and the other says auto. If it is auto, then I am hit with two deductables :( I have replacement cost insurance, so I will be able to get the full cost of replacing the aftermarket saddle and pedals I had on the bike! I will salvage what I can off of the bike for spares or whatnot.