Insurance question to George?
I don't have this straight. You mean if you have "uninsured motorist
coverage" on your auto insurance, you can collect from your policy when
you are a pedestrian or bicyclist?
Eric
Mark Shahan wrote:
Aaron,
Health and homeowners insurance won't pay for lost income. You
would need disability insurance as well which is pricey. Furthermore,
if you make a claim on your insurance, your rates will likely go up.
If you work at a small employer like I do, everybody's health insurance
rates in the company could go up substantially due to one large claim
by one employee, e.g., from a severe crash with a motor vehicle while
biking. This seems unfair to me. The person responsible should be
held accountable. Maybe we need to make a change in state law because
this is an issue for the elderly without cars who might be hit as
pedestrians.
Mark
On Tue, Sep 16, 2008 at 9:38 AM, Aaron
Crandall <[EMAIL PROTECTED]>
wrote:
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:
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.
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Mark N. Shahan ------ __o
607 Piper Drive ------- _`\<,_
Madison, WI 53711-1338 ---- (*)/ (*)
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