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Road Cycling “It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle.” -- Ernest Hemingway

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Old 05-13-14, 09:18 AM   #51
zrossiter
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How much bike damage are we talking about anyway?
I haven't taken it in yet, but cannondale frame/fork (750/800), wheels (750-1k), pedals (250), helmet (120), shifter etc etc. No its not a custom bike, but its at least a couple thousand on the bike alone
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Old 05-13-14, 09:42 AM   #52
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Well I just got a call from nationwide letting me know that medical bills are not covered under my Uninsured driver insurance since I was on a bike. They said it only covers me if I am in a vehicle with a motor and am hit by someone else in a car that does not have insurance.

So basically, it looks like I am screwed for everything
Your adjuster at Nationwide is wrong. Lots of times they don't understand their own coverage. UM clearly applies in Ohio to personal injuries you suffer when hit by an at fault, uninsured driver of a motor vehicle, regardless of whether you are in a car or not.

['[Uninsured motorist] coverage is portable: The insured and family members [***49] * * * are insured no matter where they are injured. They are insured when injured in an owned vehicle named in the policy, in an owned vehicle not named in the policy, in an unowned vehicle, on a motorcycle, on a bicycle, whether afoot or on horseback or even on a pogo stick'

Ohayon v. Safeco Ins. Co., 91 Ohio St. 3d 474

You are an insured under your policy because you are a named insured, and there's coverage for the incident because you were hit by a motor vehicle driven by an uninsured motorist (assuming that she in fact does not have coverage).

See also.; Weinberg v. Doe, 129 Ohio App. 3d 586

McDonald v. Motorists Mut. Ins. Co., 2006-Ohio-1843; 2006 Ohio App. LEXIS 1685
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Old 05-13-14, 09:47 AM   #53
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Your adjuster at Nationwide is wrong. Lots of times they don't understand their own coverage. UM clearly applies in Ohio to personal injuries you suffer when hit by an at fault, uninsured driver of a motor vehicle, regardless of whether you are in a car or not.

['[Uninsured motorist] coverage is portable: The insured and family members [***49] * * * are insured no matter where they are injured. They are insured when injured in an owned vehicle named in the policy, in an owned vehicle not named in the policy, in an unowned vehicle, on a motorcycle, on a bicycle, whether afoot or on horseback or even on a pogo stick'

Ohayon v. Safeco Ins. Co., 91 Ohio St. 3d 474

You are an insured under your policy because you are a named insured, and there's coverage for the incident because you were hit by a motor vehicle driven by an uninsured motorist (assuming that she in fact does not have coverage).

See also.; Weinberg v. Doe, 129 Ohio App. 3d 586

McDonald v. Motorists Mut. Ins. Co., 2006-Ohio-1843; 2006 Ohio App. LEXIS 1685
That is what I thought, I left a message for the claims person and told them to call me back and to provide, in writing, my coverage.

My worry is that if my insurance isn't on the hook for anything (which hopefully they are at least the medical), then they have no real motivation to go after the owner/driver of the vehicle
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Old 05-13-14, 09:56 AM   #54
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Insurance companies are monsters.
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Old 05-13-14, 11:31 AM   #55
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Even if the owner has insurance, it wouldn't cover damages caused by an unlicensed driver IMO. You (or a lawyer) could tell the owner you'll sue her unless you reach a satisfactory arrangement, maybe she prefers that to being sued.
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Old 05-13-14, 11:46 AM   #56
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Just got a call, well 2 calls and some emails.

1. The insurance Rep that denied my medical claims sent me (on my request) my denial letter and coverage report for uninsured auto coverage. The denial letter lists reasons that I would be covered, and the fourth one down is 'as pedestrians hit by any motor vehicle or trailer'. I am anxiously awaiting the call from her, I would love for her to tell me I am not a vehicle, nor a pedestrian....

2. My claims adjuster (different from #1 ) called and let me know he got in touch with the owner. She said she has insurance but would like to pay out of pocket so her rates don't go up (which they'll obviously go way up for the non-DL driver). She wants me to call her, which I tried and am waiting for a call back. I do not want to go down this route, though, as I have no idea how much my medical bills are at this time (nor do I know if I have some hidden injury, though I highly doubt it).

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Even if the owner has insurance, it wouldn't cover damages caused by an unlicensed driver IMO. You (or a lawyer) could tell the owner you'll sue her unless you reach a satisfactory arrangement, maybe she prefers that to being sued.
If i go through insurance, I don't know why the owner's insurance would not cover not only my medical, but also my bike...
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Old 05-13-14, 12:06 PM   #57
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If you talk directly to her, I'd mention a fairly high number as acceptable if she wants to avoid bring her insurance in (assuming that's even an option as there should be legal issues here as well with the unlicensed driver). I'm just pulling this out of the air, but if you asked for $10K to call it even (as this would cover any current and future medical bills - or maybe not - and bike damage) and she pays great. If not, then the insurance gets involved and you make sure you get everything covered and sign nothing until it is. Personally, I think she deserves to have her rates go up. My guess is she is hoping to get you to accept $500 or something and avoid the legal issues.
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Old 05-13-14, 12:10 PM   #58
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If you talk directly to her, I'd mention a fairly high number as acceptable if she wants to avoid bring her insurance in (assuming that's even an option as there should be legal issues here as well with the unlicensed driver). I'm just pulling this out of the air, but if you asked for $10K to call it even (as this would cover any current and future medical bills - or maybe not - and bike damage) and she pays great. If not, then the insurance gets involved and you make sure you get everything covered and sign nothing until it is. Personally, I think she deserves to have her rates go up. My guess is she is hoping to get you to accept $500 or something and avoid the legal issues.
Well, duh. It was just a bike. How much can a bicycle cost? I see them down at Wal-Mart for, like, $99!
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Old 05-13-14, 12:19 PM   #59
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Well, duh. It was just a bike. How much can a bicycle cost? I see them down at Wal-Mart for, like, $99!
Right, the driver of the car kept saying 'your bike looks fine, tell me what is wrong with it', and then 'I want to talk to your mechanic after they look at it'. The cat scan and xrays will be very costly, but that is expected...the bike is just kicker of the situation

I am friends with the person that works at my shop and can only imagine him trying to describe the structural integrity of a CF fork or why a set of wheels costs more than those on the car
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Old 05-13-14, 12:21 PM   #60
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If the grandmother has auto insurance then you can file a claim with her insurance company. You will not get your bike repaired/replaced but you can get a settlement at some point to cover your medical expenses, missed work, other damages, etc. Was the driver cited for any traffic offenses? If so, then that will help to prove fault and you are covered. It her insurance co drags their feet or the case lingers, file a suit before two years to protect your case.

BTW, Nationwide gave me that same "not a motor vehicle" bull****" and that is exactly wrong. Speak to someone higher up or get an attorney as it took mine about 5 minutes to get that straightened out and Nationwide to start covering my medical expenses right away. Looks like Ohio is a "tort" state, PA is no-fault so there is a difference there.

EDIT: Sorry, saw some good responses after I had posted. I was so incensed at the denial part, I replied too quickly.

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I filed an insurance claim, but apparently my auto insurance company (nationwide) does not cover bike damage as it is not a motor vehicle. They are investigating to see if the 68 year old owner has insurance. My question is, if the owner has no insurance either, am I basically SOL in terms of getting repairs/replacement on the bike (as well as my ER visit)? I know this is sometimes covered by renters insurance, though I do not have any (will be getting it after this ordeal).
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Old 05-13-14, 12:25 PM   #61
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If the grandmother has auto insurance then you can file a claim with her insurance company. You will not get your bike repaired/replaced but you can get a settlement at some point to cover your medical expenses, missed work, other damages, etc. Was the driver cited for any traffic offenses? If so, then that will help to prove fault and you are covered. It her insurance co drags their feet or the case lingers, file a suit before two years to protect your case.

BTW, Nationwide gave me that same "not a motor vehicle" bull**** and that is exactly wrong. Speak to someone higher up or get an attorney as it took mine about 5 minutes to get that straightened out and Nationwide to start covering my medical expenses right away. Looks like Ohio is a "tort" state, PA is no-fault so there is a difference there.

EDIT: Sorry, saw some good responses after I had posted. I was so incensed at the denial part, I replied too quickly.
Why would the bike not be covered under her policy? It is property that was damaged in an auto accident (similar to how if i was driving a car/motorcycle would be) at her fault. This seems like exactly what auto insurance is for, unless they try to give me the 'not a vehicle' BS from that perspective too
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Old 05-13-14, 12:29 PM   #62
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The denial lady just called me back

her: 'you are not covered as your are a pedestrian, since you were riding a bicycle'

....me: 'so I am not a pedestrian, but I am not a vehicle.....what am I, tell me what I am?'

her: 'well you are a person riding a bike'


I am waiting on a call from her boss
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Old 05-13-14, 12:29 PM   #63
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Why would the bike not be covered under her policy? It is property that was damaged in an auto accident (similar to how if i was driving a car/motorcycle would be) at her fault. This seems like exactly what auto insurance is for, unless they try to give me the 'not a vehicle' BS from that perspective too
Seems silly to me. That would be like driving into a house and the insurance company saying, "Sorry, that's not a vehicle we don't cover that.". I can see the unlicensed driver being an issue though since it might give their insurance company an out since the owner of the car broke the law in allowing an unlicensed driver to use the vehicle. (not a lawyer)
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Old 05-13-14, 12:30 PM   #64
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The denial lady just called me back

her: 'you are not covered as your are a pedestrian, since you were riding a bicycle'

....me: 'so I am not a pedestrian, but I am not a vehicle.....what am I, tell me what I am?'

her: 'well you are a person riding a bike'


I am waiting on a call from her boss
Wow.
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Old 05-13-14, 12:34 PM   #65
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I'm a renter, without renters insurance
Regardless of any of the other info covered in this thread, get renters insurance... today.
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Old 05-13-14, 12:35 PM   #66
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Regardless of any of the other info covered in this thread, get renters insurance... today.
already looking at policies...stupidity on my part, I know
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Old 05-13-14, 12:43 PM   #67
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The bike does not even factor into their equations. I have been through it along with other riders that I know. Even if you file a claim and successfully negotiate your case to get a settlement, the bike will not be addressed or fixed or covered. Maybe if you have an attorney and were riding a $10,000 bike, he would add that into the demand but that's about all it will be. It's not like a car or motorcycle in that they take care of it after repair estimate are received. Insurance companies would probably save some money in suits/claims if they offered to replace a bicycle that has been hit. Most riders I know would happily take that and quickly settle the claim if there were no significant injuries and a replacement bike was offered.

BTW, you are a pedestrian if you are riding a bike but you have to follow traffic laws so it's a weird spot. Nationwide is still 100% incorrect to deny your medical claims.

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Why would the bike not be covered under her policy? It is property that was damaged in an auto accident (similar to how if i was driving a car/motorcycle would be) at her fault. This seems like exactly what auto insurance is for, unless they try to give me the 'not a vehicle' BS from that perspective too
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Old 05-13-14, 12:54 PM   #68
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The bike does not even factor into their equations. I have been through it along with other riders that I know. Even if you file a claim and successfully negotiate your case to get a settlement, the bike will not be addressed or fixed or covered. Maybe if you have an attorney and were riding a $10,000 bike, he would add that into the demand but that's about all it will be. It's not like a car or motorcycle in that they take care of it after repair estimate are received. Insurance companies would probably save some money in suits/claims if they offered to replace a bicycle that has been hit. Most riders I know would happily take that and quickly settle the claim if there were no significant injuries and a replacement bike was offered.

BTW, you are a pedestrian if you are riding a bike but you have to follow traffic laws so it's a weird spot. Nationwide is still 100% incorrect to deny your medical claims.
Oh I will take a replacement bike for sure, the way I understood it was they would get an assessment from a LBS, documenting what is broken and what it costs to fix/replace...and then i would get a check for the repair/replacement, similar to as if I had a car that was hit

EDIT: misread your post the first time...my friend who works at a shop told me he has seen it numerous times where the bike was 100% covered. My insurance claim adjuster said it would most likely be covered as well if they do, in fact, have coverage. We will see I suppose. The denial boss is "out of the office" for the day. If she tells me the same 'not a pedestrian' thing though, I really dont know what I will do. Hopefully it shouldn't even matter, if there is insurance to go through, but its just completely stupid.

Last edited by zrossiter; 05-13-14 at 01:02 PM.
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Old 05-13-14, 01:55 PM   #69
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Oh I will take a replacement bike for sure, the way I understood it was they would get an assessment from a LBS, documenting what is broken and what it costs to fix/replace...and then i would get a check for the repair/replacement, similar to as if I had a car that was hit.
Yes, there shouldn't be much of an issue getting the replacement cost for the bicycle. I've filed such claims a couple times. Once the bike only needed a new fork and I got an estimate from a bike shop for the price of the fork plus labor to install it, the other time the bike frame was bent and a bike shop gave me an estimate based on the cost of an equivalent new bike (my model was not longer made). Both times the other party's insurance company paid quickly and without any argument when presented with the estimates.

Hopefully Nationwide will come around on the medical coverage, but if the other party does have insurance they'll want to end up collecting any settlement they give you from that insurance company (depending on the fault vs. no-fault nature of insurance in your state). If you still end up having trouble collecting from either insurance company you could escalate things to your state insurance commission which should set them straight on this silly claim that you would be covered as a pedestrian but not as a cyclist.
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Old 05-14-14, 02:09 PM   #70
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Well I just got a call from nationwide letting me know that medical bills are not covered under my Uninsured driver insurance since I was on a bike. They said it only covers me if I am in a vehicle with a motor and am hit by someone else in a car that does not have insurance.

So basically, it looks like I am screwed for everything
I've been in your shoes, so take heed: get a consultation with a personal injury lawyer (most will give you a free consultation).

In my case, I was hit by a driver whose insurance policy (Progressive) had lapsed, rendering him uninsured. I had to sue my insurance company (Progressive) because they tried to deny my property and personal injury claims on the uninsured/underinsured motorist portion of my policy. Make no mistake, representatives from your insurance company will flat out lie to you (they did in my case) to prevent them from expending money on you.

It sounds like you and your bike received less damage than my situation, but suffice it to say that with good legal representation I settled with my insurance company for a SIZEABLE sum.

Everyone here can armchair quarterback you all day long, but if you don't get a legal consultation, you're selling yourself short.
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