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  1. #1
    Senior Member Denelle's Avatar
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    Do you have insurance on your bikes?

    If so, do you need a special insurance policy for them to be covered while you are riding them?

    My daughter was hit by a car while riding her bike last Friday, and the driver was uninsured. He's refusing to pay for the damages. I called up our insurance company asking for help and they said they don't specifically cover bicycles. Anyways, the whole incident has me thinking about my husband's pricey collection, and I'd really like to protect it should something happen.

    So, do you have insurance on your bikes?

  2. #2
    rebmeM roineS JanMM's Avatar
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    So the uninsured driver is off the hook? Any laws about that where you are? Small claims court? A lawyer? Or is the driver without any assets?

    No, no bike insurance specifically. Unlikely for catastrophic outcome from a bike accident. Money saved from no insurance premiums can go a long way towards a new bike or bike repairs.
    I'm sure an insurance agent would love to talk to you about options.
    RANS V3 (steel), RANS V-Rex, RANS Screamer

  3. #3
    Senior Member LongIslandCamper's Avatar
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    You can bet your butt the car owner would be on your case to pay for car repairs if your daughter did something to damage his car so you should do the same.

    Time for small claims and there goes his license too for driving without insurance!

  4. #4
    Senior Member Denelle's Avatar
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    Quote Originally Posted by JanMM View Post
    So the uninsured driver is off the hook? Any laws about that where you are? Small claims court? A lawyer? Or is the driver without any assets?

    No, no bike insurance specifically. Unlikely for catastrophic outcome from a bike accident. Money saved from no insurance premiums can go a long way towards a new bike or bike repairs.
    I'm sure an insurance agent would love to talk to you about options.
    I honestly think the driver has not a pot to piss in from what he's told me (and based on where he lives). I'm looking into small claims court anyways. Don't know how much good it will do but it doesn't hurt anything but $22 filing fee to try.

  5. #5
    Senior Member LongIslandCamper's Avatar
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    Quote Originally Posted by Denelle View Post
    I honestly think the driver has not a pot to piss in from what he's told me (and based on where he lives). I'm looking into small claims court anyways. Don't know how much good it will do but it doesn't hurt anything but $22 filing fee to try.

    He obviously has a car.

  6. #6
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    Quote Originally Posted by cm11599ps View Post
    He obviously has a car.
    And money to buy fuel.

  7. #7
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    and rent a apartment no matter where. try for medical expenses at least.

  8. #8
    Senior Member CaptCarrot's Avatar
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    Judge Judy?

    Seriously though, my house insurance covers my bikes at home or away from theft - but I don't know about accident.

    Maybe this would be provided under the form of public liability? This is however the sort of case where paying the extra for legal cover is a good idea.

    In the UK he would have the book thrown at him for driving without insurance (we seize and crush uninsured vehicles over here).

    I presume you have his details, name address license plate?

    I would be straight onto the police let alone the small claims because he was breakin the law.

    my $0.02
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  9. #9
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    We got a rider put on our homeowners insurance to cover all risks for our Madones. It costs about $6 per month per bike. In discussing with our agent, the situation you describe, IIRC, would have been covered under our car insurance and they would have pursued with other driver.

    P2
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  10. #10
    Senior Member Denelle's Avatar
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    Quote Originally Posted by CaptCarrot View Post
    Judge Judy?

    Seriously though, my house insurance covers my bikes at home or away from theft - but I don't know about accident.

    Maybe this would be provided under the form of public liability? This is however the sort of case where paying the extra for legal cover is a good idea.

    In the UK he would have the book thrown at him for driving without insurance (we seize and crush uninsured vehicles over here).

    I presume you have his details, name address license plate?

    I would be straight onto the police let alone the small claims because he was breakin the law.

    my $0.02
    The police officer filed a non-reportable accident report. They did not ticket him though, aside from not having insurance I do have all of his information.

    Quote Originally Posted by pinsonp2 View Post
    We got a rider put on our homeowners insurance to cover all risks for our Madones. It costs about $6 per month per bike. In discussing with our agent, the situation you describe, IIRC, would have been covered under our car insurance and they would have pursued with other driver.

    P2
    I called our insurance and they said that they specifically do not cover bicycles while they are being ridden They suggested we look into a specialty policy for them.

  11. #11
    Senior Member DGozinya's Avatar
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    No need for a policy rider. Just do the following - set aside $30-50 per month into a jar. In 1 year, you'll have $600 saved. Lower your "premiums" if you feel you have a lower accident potential to amortize the amount over a longer time. Best part is if you crash, the money is there, if you don't crash, the money is STILL there, unlike a regular policy. Just be good and keep your sticky fingers outta the jar!

  12. #12
    Senior Member triumph.1's Avatar
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    I was just thinking about this last week and need to call my insurance agent to ask about fire, theft or crash if I am rear ended and the bike gets destroyed. A friend of mine said he produced the receipt to his insurance and got a cheap rider attached to his regular auto policy.

    I called my insurance comapny and my bike is covered under my current policies as is. Can't remember how he explained it exactly, but the bottom line was/is if I get rear ended or the house burns down I can get full replacement.
    Last edited by triumph.1; 11-10-11 at 05:06 AM.

  13. #13
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    Quote Originally Posted by DGozinya View Post
    No need for a policy rider. Just do the following - set aside $30-50 per month into a jar. In 1 year, you'll have $600 saved. Lower your "premiums" if you feel you have a lower accident potential to amortize the amount over a longer time. Best part is if you crash, the money is there, if you don't crash, the money is STILL there, unlike a regular policy. Just be good and keep your sticky fingers outta the jar!
    yes maybe takes care of the bike but does nothing for possible injuries sustained in the crash. id seriously at least try for medical expenses if there are any that youre out of pocket. even if he doesnt want to pay they can garnish his wages so you do get paid. and yes garnishing wages can be a bad thing but hitting someone and refusing to pay even medical expenses is worse
    Last edited by pg13; 11-09-11 at 10:56 AM. Reason: spelling...

  14. #14
    Senior Member Denelle's Avatar
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    Quote Originally Posted by DGozinya View Post
    No need for a policy rider. Just do the following - set aside $30-50 per month into a jar. In 1 year, you'll have $600 saved. Lower your "premiums" if you feel you have a lower accident potential to amortize the amount over a longer time. Best part is if you crash, the money is there, if you don't crash, the money is STILL there, unlike a regular policy. Just be good and keep your sticky fingers outta the jar!
    My husband has some very expensive bikes though (heck, even mine was $1400). $600 a year is nothing compared to the price of his custom bike. I did find out that they were able to add a rider onto our homeowners insurance policy for pretty much pennies a day to cover them though. That is total peace of mind to me.

    Quote Originally Posted by pg13 View Post
    yes maybe takes care of the bike but does nothing for possible injuries sustained in the crash. id seriously at least try for medical expenses if there are any that youre out of pocket. even if he doesnt want to pay they can garnish his wages so you do get paid. and yes garnishing wages can be a bad thing but hitting someone and refusing to pay even medical expenses is worse
    The drive is unemployed Thankfully there weren't any medical expenses in the crash with my daughter.

  15. #15
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    thankfully for that and oh sucks hes unemployed. hmm. make a deal with him and have him do like yard work for you. no need for court and even unemployed hed still owe you so make him work a fair bit

  16. #16
    Senior Member rjc100's Avatar
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    Quote Originally Posted by Denelle View Post
    If so, do you need a special insurance policy for them to be covered while you are riding them?

    My daughter was hit by a car while riding her bike last Friday, and the driver was uninsured. He's refusing to pay for the damages. I called up our insurance company asking for help and they said they don't specifically cover bicycles. Anyways, the whole incident has me thinking about my husband's pricey collection, and I'd really like to protect it should something happen.

    So, do you have insurance on your bikes?
    Depends on what state you are in, based on no fault insurance laws, but even a tort claim against the known driver will max at $500 for most states.
    I had a car try to hit me and caused me to crash and drove away this fall, and the damage to the bike and cycleing cloths/shoes added up to about $1200.
    My insurance says they will not cover damage due to an accident, and since the driver fled, I have no ability at a tort claim anainst either.
    My Ins policy will cover theft only, and I was told that a rider would only cover additional theft value coverage, still no crash damage.

    Good luck.

  17. #17
    Senior Member mulveyr's Avatar
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    Quote Originally Posted by Denelle View Post
    If so, do you need a special insurance policy for them to be covered while you are riding them?

    My daughter was hit by a car while riding her bike last Friday, and the driver was uninsured. He's refusing to pay for the damages. I called up our insurance company asking for help and they said they don't specifically cover bicycles. Anyways, the whole incident has me thinking about my husband's pricey collection, and I'd really like to protect it should something happen.

    So, do you have insurance on your bikes?

    Nope, no insurance on the bikes. I don't buy bikes I can't afford to easily replace. ;-)

    As other people have said - you might try small claims court. The problem is that even if you win, you may have no feasible means to get him to pay, anyhow. At least when I won a small claims case in NY around 20 years ago, unless I knew the other guy's bank account numbers or employer, there was no way to get his wages garnished or get him to pay out.

    What's the excuse the driver is giving for not paying for the damages?
    Knows the weight of my bike to the nearest 10 pounds.

  18. #18
    Senior Member Denelle's Avatar
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    Quote Originally Posted by mulveyr View Post
    Nope, no insurance on the bikes. I don't buy bikes I can't afford to easily replace. ;-)

    As other people have said - you might try small claims court. The problem is that even if you win, you may have no feasible means to get him to pay, anyhow. At least when I won a small claims case in NY around 20 years ago, unless I knew the other guy's bank account numbers or employer, there was no way to get his wages garnished or get him to pay out.

    What's the excuse the driver is giving for not paying for the damages?
    He specifically said that no one needs such an expensive bike. He said he's unemployed, and if he had an extra $400 laying around, he'd be putting it towards his past due rent. He said that he is willing to give me his bike, or possibly scrape together some money to buy a Walmart replacement bike, but he refuses to spend so much to fix mine when he can buy something new for less (she was riding one of my bikes, not her own).

    My husband is unemployed as well. I find it to be a sorry excuse. There's no reason to be driving around illegally without insurance either.

    Our insurance agent agreed to send him a letter stating the repairs and that he needs to pay it, but basically said we're pretty out of luck unless we file in small claims court

  19. #19
    Senior Member CaptCarrot's Avatar
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    Sorry to bring this up again, but as I am not au faix with the laws in the US, let alone their State variations.

    I know you said the cop didn't ticket him for driving without insurance, could you tell me exactly what the law is in your neck of the woods requiring insurance?

    Over here (UK) it will result in the car being seized (unless someone WITH the appropriate license AND insurance (and the car has a valid tax disc) can drive it away). Seized cars are often crushed in this country.

    I don't know if the offence is taken as seriously over there as it is over here, but if it is - I would be on to your politicians, the police commisioner, city hall, or whoever is responsible and complain that the driver was not ticketed or worse. As he has basically been let off to do the same thing again.

    Milton Keynes Local Policing summary 07



    Also, I don't know if it has been brought in, but they were going to change the law so that even keeping a car without valid insurance would be illegal.

    New clampdown on uninsured drivers as Government vows to 'get tough' on reckless motorists
    Quote Originally Posted by Mail Online - 9th Jan 2011
    Motorists face a new crackdown that will make even keeping an uninsured car off the road an offence.

    The Government will this week propose tough new regulations to curb reckless, uninsured drivers who kill 160 people a year and injure 23,000 others.

    Road Safety Minister Mike Penning will announce that keeping a vehicle off-road without insurance will become illegal.

    At the moment, police can act only if the vehicle is in use and on the road.

    But in a change coming into effect in March, cars off-road without insurance could land their owners with a heavy fine.

    People not using vehicles will have to apply for a Statutory Off-Road Notice to be exempt. The same notice is already required for untaxed cars kept off-road.

    A Department for Transport source said: ‘At present, having no insurance is only an offence once the driver gets behind the wheel.

    'The odds are stacked in favour of the uninsured driver.’

    Under the new system, the DVLA, the vehicle licensing authority, will access motor insurers’ records to identify those owners without cover.

    Drivers will receive a letter warning they will be fined unless they insure their car within a set period.

    Anyone failing to do so faces an initial fixed penalty of 100 but the fines can rise to a maximum of 5,000 with eight penalty points added to a licence.

    Ultimately, the car can be seized and destroyed.

    It is believed a million motorists in the UK do not have insurance.
    Not as green as I might be cabbage looking!

  20. #20
    Senior Member Denelle's Avatar
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    Insurance just became mandatory in WI June of last year. The fine is $10 if you don't have proof in your vehicle and up to $500 if you actually don't have any. http://m.wiscnews.com/baraboonewsrep...cc4c03286.html

  21. #21
    Senior Member CaptCarrot's Avatar
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    In which case I would be arguing as to why he hasn't been fined the $500. Just my $0.02
    Not as green as I might be cabbage looking!

  22. #22
    Humvee of bikes =Worksman Nightshade's Avatar
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    Quote Originally Posted by Denelle View Post
    If so, do you need a special insurance policy for them to be covered while you are riding them?

    My daughter was hit by a car while riding her bike last Friday, and the driver was uninsured. He's refusing to pay for the damages. I called up our insurance company asking for help and they said they don't specifically cover bicycles. Anyways, the whole incident has me thinking about my husband's pricey collection, and I'd really like to protect it should something happen.

    So, do you have insurance on your bikes?
    Yes, to insure a bike all one need do it tell your agent to add a "all hazard" rider to either your homeowners (or renters) policy. Cost about $50 a year extra. This is what I do with my bikes.......

    In your case,however, you might ask your agent if you have coverage under your homeowners policy for this already..............
    My preferred bicycle brand is.......WORKSMAN CYCLES
    I dislike clipless pedals on any city bike since I feel they are unsafe.

    Originally Posted by krazygluon
    Steel: nearly a thousand years of metallurgical development
    Aluminum: barely a hundred, which one would you rather have under your butt at 30mph?

  23. #23
    Senior Member Denelle's Avatar
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    Quote Originally Posted by CaptCarrot View Post
    In which case I would be arguing as to why he hasn't been fined the $500. Just my $0.02
    He did receive a fine for driving without insurance, but the officer would not say what the amount was.

  24. #24
    Senior Member CaptCarrot's Avatar
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    Quote Originally Posted by Denelle View Post
    He did receive a fine for driving without insurance, but the officer would not say what the amount was.
    Just re-read through...

    Quote Originally Posted by Denelle View Post
    The police officer filed a non-reportable accident report. They did not ticket him though, aside from not having insurance ...
    Sorry, I mis-read that, I thought he hadn't been ticketed at all. My bad.
    Not as green as I might be cabbage looking!

  25. #25
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    Nightshade is correct. An all-risk homeowners' policy will cover a bike hit by someone's car, even your own if you accidentally run over it in your garage. You will have to pay your homeowners' deductible, but you will also get an equivalent new bike, with no depreciation taken, even if your bike is 10 years old. I was hit by a girl with no insurance. My homeowners' carrier paid for a brand-new model of my 4 year-old bike. Since bike frames and components have been going up, I got a $4,000.00+ bike with a Gunnar frame and Chorus in place of the bike I paid much less for 4 years earlier. Also, if you are injured, as I was, you can make claim for med bills, etc. under your own auto policy. State laws affect this aspect in various ways, but if your injuries and bills are serious enough and the other party is at fault, in many states you can also collect pain and suffering. I did, and got carbon wheels and some money for another bike (that's in the future!). But, as I told the guys at the bike shop, even a new bike that I really wanted is not worth getting hit by an SUV.
    Seven Elium Race, Gunnar Roadie, Gunnar Sport, Surly LHT, Gary Fisher Genesis, Miyata 610.

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