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Old 07-25-11, 07:47 AM   #1
VT Biker
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Etiquitte in a Crash

Hey guys,

so in the final turn in a crit, I overcooked the corner, taking out 3 other riders including my teammate. He cracked his carbon rim and helmet.

I am wondering what the etiquitte is in this situation. Is the general rule of thumb that each racer goes into the race with full knowledge his stuff may break? Or since I caused the wreck, is it my responsibility?



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Old 07-25-11, 07:51 AM   #2
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Apologies would be well received, but my feeling is that if you can't afford to throw it in the dumpster at the end of the day, you shouldn't be racing it. Everyone goes knowing the risk. I wouldn't expect somebody who crashed me to replace my parts.
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Old 07-25-11, 07:54 AM   #3
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surely your teammate doesnt expect you to buy him a new wheel...but a six-pack might help with his lost skin.
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Old 07-25-11, 08:31 AM   #4
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I agree in general with the "bring it at your own risk" philosophy, and I am not sure I would ever bring carbon rims to a technical criterium. However, we all need to bring and wear helmets, so I offered to replace his helmet. I figure it will take some of the pain of replacing his carbon wheel.


I appreciate the feedback. I was brainstorming last night as to whether a personal liability policy might be a way for teammates to make claims against me, so I can then apply that against my policy. However, this seems like a situation where the insurance company would nix that claim given the circumstances.

Also- does anyone know about the ability to use a renters or homeowners insurance policy to cover the cost of replacing bikes and components?
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Old 07-25-11, 08:38 AM   #5
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Each racer is responsible for his or her own gear. That is why the phrase "Race what you can afford to replace" is so often repeated on this forum and in other places. It was generous of you to offer to replace your teammate's helmet, but you do not owe it to him and he should not expect it. **** happens in races.

I was taken out a few months ago - cracked my helmet. I ponied up for a new one.

That is also why bought Mavic carbon wheels - they have an option crash replacement warranty that covers me for two years. It's worth the additional cost. Reynolds was my other option.

I don't know how homeowners insurance plays into this, but I don't think they cover damage from races. Additionally, you would have to cover your deductible first - I think mine is $1,000 - are you ready to pay that? And claims against your insurance could result in an increase in your homeowners premium. I think you would be best not to pursue that option.
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Old 07-25-11, 09:13 AM   #6
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standard homeowners and renters insurance will not pay for damange to your gear that results from a crash in a bike race. later.
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Old 07-25-11, 10:20 AM   #7
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You're allowed to feel guilty. You don't have to pay for anything. Any kind gestures are optional.

Waivers are there so that they can't sue you, and if someone takes you out, you can't sue them.

Whatever you did to overcook the turn, now you know not to do it. I think that's the most important takeaway from the incident.
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Old 07-25-11, 07:51 PM   #8
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Quote:
Originally Posted by jwible View Post
my feeling is that if you can't afford to throw it in the dumpster at the end of the day, you shouldn't be racing it.
no, just no. I can't afford to throw away my disposable tupperware in the garbage everyday. Race bikes put a dent in most of our accounts, we try to be able to afford replacement parts, but I'd hardly liken my gear as "easily replaceable." Most young guys I know would be able to replace basic parts like the RD, saddle, brake lever in the event of a crash, but it would hurt a bit.

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Everyone goes knowing the risk. I wouldn't expect somebody who crashed me to replace my parts.
yes

It would depend for me. If I know the guy I took out, and he has a hard time affording bike parts, I'd surely ante up for the damage I did. However it is a race, so I normally wouldn't offer the $$ for crash replacement.

And this all makes me wonder about a business idea, race bike insurance. I'd buy it.
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Old 07-25-11, 09:10 PM   #9
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If you have teammates trying to get you to replace gear broken in a wreck in a bike race then you need to find a new team.
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Old 07-25-11, 09:48 PM   #10
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And this all makes me wonder about a business idea, race bike insurance. I'd buy it.
I spent 7 years pricing auto insurance. With the frequency and severity inherent in bike racing coupled with the combined ratio required by the insurance companies, it comes back to "don't race what you can't afford to replace".
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Old 07-25-11, 10:17 PM   #11
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Quote:
Originally Posted by kindablue View Post
no, just no. I can't afford to throw away my disposable tupperware in the garbage everyday. Race bikes put a dent in most of our accounts, we try to be able to afford replacement parts, but I'd hardly liken my gear as "easily replaceable." Most young guys I know would be able to replace basic parts like the RD, saddle, brake lever in the event of a crash, but it would hurt a bit.


yes

It would depend for me. If I know the guy I took out, and he has a hard time affording bike parts, I'd surely ante up for the damage I did. However it is a race, so I normally wouldn't offer the $$ for crash replacement.

And this all makes me wonder about a business idea, race bike insurance. I'd buy it.
forget bike insurance, when i broke four teeth in a crash last year, i was looking at the following: $1600 for titanium implant, $1000 for the abutment, and another 1500 for the crown, all for just one tooth. All that bike part is small change in comparison.
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Old 07-25-11, 11:09 PM   #12
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If you have teammates trying to get you to replace gear broken in a wreck in a bike race then you need to find a new team.
To clarify - this guy nor anyone on my team has asked me to pony up one bit. I have offered on my own to pay for a new helmet, but he turned it down.

I wanted clarification, only because in the future:
A) if another wreck occurs, I do not want to make matters worse by offering to pay for their equipment, and putting then in an uncomfortable position

B) If someone takes me out, I want to make sure to know the etiquette.

However - I do like the idea of assisting those who are financially unable to replace equipment, and at least help defray their costs.
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Old 07-25-11, 11:34 PM   #13
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You're making a generous offer but I think it's best to keep the issue black and white. The situation gets very complicated once things are put on a sliding scale...that opens the door for negotiations/expectations and you put yourself in a position of guilt. Stuff happens. We've all been the squirrel. You might have overcooked the turn but the other guys were there fighting for the finish too.
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Old 07-26-11, 05:53 AM   #14
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You did a classy thing by making the offer. He did the classy thing by turning it down. Now you can let this incident go. Hopefully you're not in another one like it.
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Old 07-26-11, 05:05 PM   #15
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Quote:
Originally Posted by echappist View Post
forget bike insurance, when i broke four teeth in a crash last year, i was looking at the following: $1600 for titanium implant, $1000 for the abutment, and another 1500 for the crown, all for just one tooth. All that bike part is small change in comparison.
I do have dental insurance, unfortunately not good enough to defer that cost . To be honest, when I signed up for my current job I was hoping I could find a dental plan that would provide coverage for those specific reasons. Plus I'm in my 20s and I have 4 baby teeth, 2 of which will fall out in the next 5 years. So much for a TT bike in the near future. Hello saving for implants
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Old 07-27-11, 05:12 PM   #16
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at my last race i was sitting top 10 with 1 to go. this was my 4 race of the Superweek series, i was peaking, feeling good, doing well, ect.... on a straight section approaching the 1 to go i was hit from behind on my left side. dont know the why or the what about it. i hit the guy next to me and we went down hard. while i was face down on the pavement i hear the guy who hit me ask for his bike back so he can finish the race.

his exact words; "i need my bike back so i can finish!"

not a word about my busted helmet, bike, or body. i aint mad cause thats racing. later.
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Old 07-27-11, 06:19 PM   #17
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You did a classy thing by making the offer. He did the classy thing by turning it down. Now you can let this incident go. Hopefully you're not in another one like it.
This. However, by not accepting a monetary compensation, he is allowed to bust your balls about being stupid for the next 6 months.
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Old 07-27-11, 09:46 PM   #18
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I would not expect someone to pay for damages. However,i would greatly respect the person for atleast apologizing and asking if i'm alright before they jump back on the bike and haul ass to catch up with the pack.
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