When I made my inquiries a couple of years ago I contacted Community Car's insurer (at the time I was planning to get rid of a car and wouldn't have under- or uninsured motorist coverage or equivalent combinations of health, disability, property, etc.). Community Car's insurance policy does not provide this coverage (at least did not 2 years ago) and I tried to get a dialog going with someone at Community Car about the issue, I was serious about joining, but this (and getting a 2 week vacation rental once a year) became the fatal flaw in that plan. To this day, Community Car's website FAQ (http://www.communitycar.com/faq/#Whataboutinsurance) does not educate members of this potential gap in their coverage... which IMHO is why it is appropriate during this year's promotion theme "Car Free University" (http://www.enactwi.org/) people start thinking about this.
Another recourse if you were a hit-and-run victim and had no insurance might be the Crime Victims Compensation Fund through the Department of Justice (State of Wisconsin). Glad to see the dialog is progressing on this list. It is a very arcane subject most people don't think about. (I happen to be shopping around for -gag- auto insurance right now...) George From: Robbie Webber Sent: Tuesday, September 16, 2008 3:54 PM Even people with auto insurance may not have coverage if they are disabled or unable to work due to a crash. I didn't for years, because I drove a crappy car, and only had liability insurance. I never had uninsured driver insurance, because if my car was totaled, well, so be it. And yes, there are products out there for people who don't own their own cars. If your insurance carrier doesn't offer it, perhaps you could mention that others do. That implied threat to go elsewhere with your insurance dollars tends to focus the mind of your insurance agent. Besides, there are lots of other ways to get insurance for disability/loss of income. Considering the cost of owning and operating even a cheap, paid for car, paying the insurance premiums for disability/loss of income insurance has got to be cheaper, so that's no reason to not go car-free. Robbie _______________________________________________ Bikies mailing list Bikies@danenet.org http://www.danenet.org/mailman/listinfo/bikies
