Cycling and bicycle discussion forums. 
   Click here to join our community Log in to access your Control Panel  


Go Back   > >

General Cycling Discussion Have a cycling related question or comment that doesn't fit in one of the other specialty forums? Drop on in and post in here! When possible, please select the forum above that most fits your post!

User Tag List

Reply
 
Thread Tools Search this Thread
Old 06-25-08, 02:17 PM   #1
chimpanzee
Junior Member
Thread Starter
 
Join Date: Apr 2008
Bikes:
Posts: 19
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
bicycling insurance, via car policy?

I'm declaring my car non-operational (because of exorbitant gas prices) for the next year. So, that means I don't need car insurance any more, right?

I just called my provider (Progressive), & they are saying the liability coverage will cover me as a pedestrian or bicyclist. In that case, I should retain it.

What does everyone else do in terms of bicycling insurance?
chimpanzee is offline   Reply With Quote
Old 06-25-08, 02:18 PM   #2
JoelS
Senior Member
 
Join Date: Jun 2008
Location: Near Sacramento
Bikes:
Posts: 4,890
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Check with your homeowners or rental policy before you decide to keep the car ins.
JoelS is offline   Reply With Quote
Old 06-25-08, 03:06 PM   #3
geo8rge
Senior Member
 
Join Date: Mar 2006
Bikes:
Posts: 2,013
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Insurance for damage and injuries you cause others with a bicycle would be covered by Homeowners/renters insurance and your personal umbrella coverage.

The auto policy may cover you if you are injured depending on the state laws.
__________________
2000 Montague CX, I do not recommend it, but still ride it.
Strida 3, I recommend it for rides < 10mi wo steep hills.
2006 Rowbike 720 Sport, I recommend it as an exercise bike.
1996 Birdy, Recommend.
Wieleder CARiBIKE (folding), decent frame.
geo8rge is offline   Reply With Quote
Old 06-25-08, 03:29 PM   #4
black_box
Fax Transport Specialist
 
black_box's Avatar
 
Join Date: May 2008
Location: chicago burbs
Bikes: '07 fuji cross pro, '10 gary fisher x-caliber
Posts: 894
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 3 Post(s)
I've heard it is cheaper in the long run to reduce your coverage (i.e. monthly payment) to as low as possible without canceling the policy. Otherwise, your policy (and the cash you've paid into it) may be reset when you re-apply for coverage and you'll pay a higher rate. This would mean dropping your comprehensive and any add-ons, reducing your liability coverage, and increasing your deductible.
black_box is offline   Reply With Quote
Old 06-25-08, 06:51 PM   #5
Doug5150
Senior Member
 
Join Date: May 2005
Location: IL-USA
Bikes:
Posts: 1,659
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by black_box View Post
I've heard it is cheaper in the long run to reduce your coverage (i.e. monthly payment) to as low as possible without canceling the policy. Otherwise, your policy (and the cash you've paid into it) may be reset when you re-apply for coverage and you'll pay a higher rate. This would mean dropping your comprehensive and any add-ons, reducing your liability coverage, and increasing your deductible.
Well then, that would confirm my personal theory....

They raise it if you have a crash,
they raise it if you don't have a crash, and finally,
they raise it if you get rid of it, and then later want it back.

I'm in the wrong dang line of work, I tell ya.....
~
Doug5150 is offline   Reply With Quote
Old 06-25-08, 11:58 PM   #6
jsmithepa
Senior Member
 
Join Date: Sep 2007
Bikes:
Posts: 1,152
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by chimpanzee View Post
I just called my provider (Progressive), & they are saying the liability coverage will cover me as a pedestrian or bicyclist. In that case, I should retain it.
No-no-no-no-no. It covers u if while driving your car, a pedestrian or another bike gets injured by u.

Where u ppl come up with these stuff?
jsmithepa is offline   Reply With Quote
Old 06-26-08, 09:18 PM   #7
mark9950
Senior Member
 
Join Date: Jan 2008
Bikes:
Posts: 439
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
If a car hits you his insurance company is supposed to cover you,If you smash into someones door their coverage(comprehensive or full) covers them(if you do damage a car they can try to sue you for their deductible)

Bicycles are not motor vehicles that normally arent a high speed vehicle.
mark9950 is offline   Reply With Quote
Old 06-27-08, 05:39 AM   #8
Bekologist
totally louche
 
Bekologist's Avatar
 
Join Date: Oct 2004
Location: A land that time forgot
Bikes: the ever shifting stable loaded with comfortable road bikes and city and winter bikes
Posts: 18,025
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Bob Mionske's Book Bicycling and the Law points out that in states with PIP laws, car insurance with PIP covers you for medical costs incurred from a collision with a motorist while bicycling.

the PIP of the motorist pays out first (regardless of fault) if they have PIP. Your PIP medical coverage coverage kicks in after the motorist's PIP limit is reached or if they have no PIP coverage.

This is car insurance covering you as a bicyclist after a collision with a motorist.

Last edited by Bekologist; 06-27-08 at 12:11 PM.
Bekologist is offline   Reply With Quote
Old 06-27-08, 10:21 AM   #9
Pat
Senior Member
 
Join Date: Jan 2002
Location: Orlando, FL
Bikes: litespeed, cannondale
Posts: 2,795
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by jsmithepa View Post
No-no-no-no-no. It covers u if while driving your car, a pedestrian or another bike gets injured by u.

Where u ppl come up with these stuff?
Well, ignorence strikes again. In Florida, the no fault autoinsurance covers you when you are riding a bike and get hit by a car. It happened to me so I know from personal experience.
Pat is offline   Reply With Quote
Old 06-27-08, 02:23 PM   #10
dobber
Perineal Pressurized
 
dobber's Avatar
 
Join Date: Oct 2003
Location: In Ebritated
Bikes:
Posts: 6,557
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Rather than ask a bunch of keyboard commandos, why not pose the question to your insurance agent. Mine was always helpful.
__________________
This is Africa, 1943. War spits out its violence overhead and the sandy graveyard swallows it up. Her name is King Nine, B-25, medium bomber, Twelfth Air Force. On a hot, still morning she took off from Tunisia to bomb the southern tip of Italy. An errant piece of flak tore a hole in a wing tank and, like a wounded bird, this is where she landed, not to return on this day, or any other day.
dobber is offline   Reply With Quote
Old 06-28-08, 01:00 PM   #11
travelinhobo
Senior Member
 
Join Date: Oct 2002
Location: No certain place. Catch me when you can.
Bikes: I'm not a guy - brand doesn't matter.
Posts: 121
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
You can get insurance for your bike in the states??? I thought that was only possible in the Netherlands.
travelinhobo is offline   Reply With Quote
Old 06-28-08, 06:15 PM   #12
charly17201
Senior Member
 
charly17201's Avatar
 
Join Date: Jan 2008
Location: Tulsa
Bikes: RANS Formula LE, Giant Escape 1
Posts: 583
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by black_box View Post
I've heard it is cheaper in the long run to reduce your coverage (i.e. monthly payment) to as low as possible without canceling the policy. Otherwise, your policy (and the cash you've paid into it) may be reset when you re-apply for coverage and you'll pay a higher rate. This would mean dropping your comprehensive and any add-ons, reducing your liability coverage, and increasing your deductible.
Definitely true - from personal experience. I went 7 years without a car. Not that I didn't drive though. I drove an 18-wheeler. Until I showed that I was insured by company policy and W2s it was way up there and I'd been doing 150k + miles a year.

Quote:
Originally Posted by travelinhobo View Post
You can get insurance for your bike in the states??? I thought that was only possible in the Netherlands.
Bicycling specific policy in the states? Not that I've ever found (except for manufacturers and dealers). It is folded in to both a home owners/renters policy (liability) and you auto policy (personal injury). I have seen ads for the UK for bike specific insurance though.

I'd think that there would be a great market here in the states for a bike specific policy though - I'd definitely have one.
charly17201 is offline   Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -6. The time now is 10:11 AM.