Im way more curious about what happened last night. On Mar 4, 8:19 am, "Hal Marcus" <[email protected]> wrote: > You can get bike insurance with your home owners-damage during a race is > excluded. You can check with your agent or mine. > > Better yet, be safe and don't crash. > > Hal > > _____ > > The cost to insure the bike on a "personal item floater" would run $9.35 per > $100 of value with no deductible. I'm checking on any exclusions, (racing) > and will get back to you as soon as I get the info. > > Would also like to talk to you about last night if you have the time or > desire. > > Steven Odrezin, CLTC, CWCA > > Bagwell & Bagwell Insurance > > Home, Auto, Life, Disability, Long Term Care, Business & Health Insurance > > 919-832-6667 ext. 113 > > 919-532-3551 fax > > 919-673-6037 mobile > > _____ > > From: Hal Marcus [mailto:[email protected]] > Sent: Tuesday, March 02, 2010 3:50 PM > To: Steven Odrezin > Subject: Accident insurance > > Steve, > > Do you know anything about this type of insurance? > > Hal > > _____ > > A lot of P&C insurance companies offer something called a personal property > floater. This allows you to purchase additional insurance on a particular > item. Most commony this type of insurance is purhcased for jewlery, fine > art, and furs but it might possibly be able to cover your bicycle. > > Another type of insurance that might be worth considering is an "Accident > Policy." While most of us are covererd by our major medical coverage there > are many indirect costs that aren't often though of (co-payments, > deductibles). The accident policy that I am thinking about reimburses the > individual for the expenses incurred, regardless of what is covered by your > major medical. Since this is a supplemental policy the benefits are paid > back directly to you to spend anyway you would like. For as little as > $16.00 you could have as much as $10,000 worth of accident coverage. > > If anyone has any questions, just send me a note offline. > > -Ty > > Joel, > I know this will sound ridiculous but there was a crash that destroyed a > nice bike and after initial refusal to cover it under homeowners insurance > the adjuster agreed to cover it under the "Falling Objects" clause less > deductable. The adjuster must have been a biker to go that far. There was > truth to it since the offending crasher did fall on the bike. This was 15+ > years ago and of course they may be much smarter now. Just call the agent > and get him to tell you what they will cover and ask him specifically about > this event. I was going to insure mine and the "rider" coverage was very > expensive so I did not get it. > > KK
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