Originally Posted by
Number400
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.