Would it be possible under Wisconsin laws and regulations for a group like BFW to sell uninsured motorist coverage? They wouldn't be the insurer, of course, but they could work with an insurance company to develop a policy and sell it to their members.
If it's feasible to do this, it could be a nice income source for the group that sells the insurance, and a valuable service for car-free bicyclists. Matthew Berigan wrote: > 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 <[email protected]>; 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'" > <[email protected]> > 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 > [email protected] > http://www.danenet.org/mailman/listinfo/bikies > _______________________________________________ Bikies mailing list [email protected] http://www.danenet.org/mailman/listinfo/bikies
