does anyone have experience with cycling insurance? I'm thinking, since we all are at risk on the roads from drivers, someone here has at least toyed with the idea. If something did happen to us on the road, what would be covered by cycling insurance? I assume bike parts, and hopefully medical. Any comments?
italianblend
2017-03-28 08:00:03
If you have personal injury protection from auto insurance that would cover your medical bills if you are hit by a car. But not damage to your bike (though homeowner's insurance will). See
http://www.carinsurance101.com/will-car-insurance-cover-a-bicycle-accident/#.WNpXiMspDqA
Of course, if the other party is at fault, you can recover from their insurance.
jonawebb
2017-03-28 08:34:03
On a hit and run, you can also claim against your car insurance's uninsured motorist coverage. (or underinsured - I forget which.) I think these coverages are optional in PA.
andyc
2017-03-28 14:15:46
When I was hit last October, I not only got their insurance to fix the bike I was on, I asked them for my costs to get my second bike roadworthy while the first was in for more serious repairs -- basically about $50 for brake cables, pads, and associated labor. All told, for both bikes, they paid out less than $500. In negotiating with their adjuster, I said they likely would pay out that much for one part on a car. He laughed and said, sure thing.
stuinmccandless
2017-03-28 20:36:00
