In my only actual bike/car collision, I was clearly at fault. I injured
myself and damaged my bike frame, and the car I hit sustained a dented
fender and hood, and a crushed windshield. My homeowners policy covered it
all, though I don¹t remember whether or not I paid a deductible, or how much
it might have been.
YM definitely MV.
--
Jon ³Papa² Grant
Illustration + Information Graphics
Austin, Texas
jgr...@papagrant.com
512-284-9599
Drawings ‹ all sorts
From: Clayton Scott <clayton...@gmail.com>
Reply-To: <rbw-owners-bunch@googlegroups.com>
Date: Tue, 15 Dec 2009 11:37:10 -0800
To: <rbw-owners-bunch@googlegroups.com>
Subject: Re: [RBW] insurance for bikes.
What about in the case of a crash (assuming it is my fault). Is there any
insurance that would cover that?
Thanks,
Clayton Scott
SF CA
On Tue, Dec 15, 2009 at 11:04 AM, Seth Vidal <skvi...@gmail.com> wrote:
> On Tue, Dec 15, 2009 at 2:01 PM, CycloFiend <cyclofi...@earthlink.net> wrote:
>> > on 12/15/09 10:11 AM, Seth Vidal at skvi...@gmail.com wrote:
>> >
>>> >> Does anyone know of an insurance company that offers insurance for
>>> >> bikes stolen when you're out in the world? Theoretically my
>>> >> homeowner's policy would cover it but I really don't want to test that
>>> >> and not know. So I'm curious - can anyone think of a company that
>>> >> explicitly offers bike-theft insurance?
>> >
>> > Renter's/homeowner's should cover it. There may be limits on the policy
>> > payouts, and pay attention to an specific-item exclusions or limits. But,
>> if
>> > you have documented replacement values, it's hard for them to argue
>> > otherwise.
>> >
>> > A call to your agent (if you have one) or to the company might help. I'd
>> > verbally give them a general list of items ("computers, jewelry, hi-fi,
>> > electronics, oh, and bicycles, a couple of musical instruments...") to
>> > confirm nothing is excluded or needs a specific additional coverage rider.
>> >
>
> I specifically asked:
>
> I go to a coffee shop. I ride my bike there. I lock my bike up
> outside. It gets nicked. What happens?
>
> He said - $500 deductible and the rest is covered for replacement value.
>
> thanks for the suggestion,
> -sv
>
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