I understand. However, I know a lot of folks who do have health & homeowners insurance, so those folks can't use this excuse. Also, I believe if you have renters or homeowners ins, you should be able to submit a claim for damage sustained to your bicycle, if the damage is above & beyond your deductable. -Aaron
--- On Tue, 9/16/08, Matthew Berigan <[EMAIL PROTECTED]> wrote: From: Matthew Berigan <[EMAIL PROTECTED]> Subject: Fw: [Bikies] World CarFree Day - 9/22 To: bikies@danenet.org Date: Tuesday, September 16, 2008, 8:25 AM Right! But there are a LOT of folks out there without health insurance. See stats at: http://dhs.wisconsin.gov/localdata/fhs/index.htm Also - health insurance covers your health bills. There are a lot of other costs associated with accidents (minimally replacement of bicycle but also loss of income etc.). This point on uninsured motorists is a very interesting question. ----- Original Message ---- From: Aaron Crandall <[EMAIL PROTECTED]> To: bikies <bikies@danenet.org>; George Perkins <[EMAIL PROTECTED]> Sent: Monday, September 15, 2008 11:34:13 PM Subject: RE: [Bikies] World CarFree Day - 9/22 Isn't that what health insurance is for? --- On Mon, 9/15/08, George Perkins <[EMAIL PROTECTED]> wrote: From: George Perkins <[EMAIL PROTECTED]> Subject: RE: [Bikies] World CarFree Day - 9/22 To: "'Aaron Crandall'" <[EMAIL PROTECTED]>, "'bikies'" <bikies@danenet.org> Date: Monday, September 15, 2008, 11:29 PM One issue with a car-less lifestyle in a car-more culture is insurance coverage against the risk of uninsured (and hit-and-run) motorists. As I understand things, lacking car ownership and insurance coverage of same, if an intoxicated hit-and-run mows you down, you are screwed with no means to pay for healthcare, pain and suffering, permanent disability, property damage, etc. The only way to get coverage against this kind of risk is if you purchase uninsured motorist insurance (which you can only carry if you own a motor vehicle and purchase that option). I looked into this a couple of years ago when I was considering Community Car. Not having the uninsured coverage coupled with the high cost of a policy for a vacation car rental (you are lumped into the high risk pool if you don't already own a car and have coverage). Community Car carries insurance when you are driving their vehicles, but it does not extend to other situations. And you can't take a Community Car on your 2-week vacation to the Rocky Mountains. Any car-free people out there who have already researched this and found a way to insure themselves in these situations, please tell Community Car and have them update their FAQ. (And post here). Our household did manage to downsize from 2 to 1 vehicle this year. It is working fine. But I can't imagine (even if the practical matters of kids, night shift work, etc. were resolved) going from 1 to 0 cars until the hit-and-run and uninsured motorist risk is resolved. I think it would require a change to the way insurance is regulated in this state. _______________________________________________ Bikies mailing list Bikies@danenet.org http://www.danenet.org/mailman/listinfo/bikies
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