The simple answer is to read the actual policy that you have. It
should be pretty clear about what it covers and does not cover.
Policies can vary, so it would be hard to say what is covered without
reading the fine print.
It also pays to be picky about your insurer. I have Amica for auto,
Also, some home owner policies allow you to have itemized coverage for
particularly valuable items; this is usually done for expensive
jewelry, etc. Arranging itemized coverage may require documentation of
the item's value. Perhaps you could do this for a bike if you are
particularly concerned.
On Tue, Dec 15, 2009 at 8:20 PM, Corwin ernf...@gmail.com wrote:
My experience with claims adjusters is much closer to Ken's. After a
fire destroyed our house, we had a long fight with the adjusters about
what they would pay. It eventually came down to what you replaced. If
you did not
, 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
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
Patrick: Are you sure your auto underinsured coverage covers you
while on a bicycle? I hope you're correct, but I haven't seen that in
my policy.
On Dec 15, 3:50 pm, PATRICK MOORE bertin...@gmail.com wrote:
Your home or renter's insurance will not cover accidents. If you have an
accident
UIM is meant to cover damages to you that the other party's liability
insurance ought to have covered if he had it, or if he had enough of it. If
someone hits you and is at fault (in the insurance sense, not a legal
sense), then his insurance is contractually obligated to reimburse you. If
he
Ken, you need to quit being cynical about Agents.Patrick is
correct, there are good ones and bad ones. If you have any doubts
about your agent or the carrier, its not too smart to have your HOME
much less your bicycle insured with them. Its not hard to find
reputable agents and good insurance
I will add that the most prosperous agents are those who give excellent
service, including accurate and complete information about coverage and
premium options as well as claims and billing assistance. The most
profitable business is the long term business with clients who want coverage
and not
I have a colleague at work who has a rider on his homeowner's policy
which specifically insures his bikes (he has three high end bikes)
against theft. This colleague has had several bikes stolen and always
gets satisfaction from his insurance carrier (unusual in my
experience). His carrier is
Thanks. I thought that you had to be operating a motorized vehicle
for your UM/UIM coverage to kick in, but apparently not. That gives
me a better feeling of security. My widow and children can benefit
from my bike riding.
On Dec 15, 5:26 pm, PATRICK MOORE bertin...@gmail.com wrote:
UIM is
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