Insurance for bike (liability, not theft)

On 4 Oct 2004 08:16:29 -0700, [email hidden] (Tony Bruguier)

Quoted message said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

Thanks a bunch,
Tony

Interesting question. Would this be covered under an umbrella policy
tacked on to a home or auto policy? Seems like it.

Tony Bruguier wrote:
:: Hi all,
::
:: I just bought a used bike (carbs powered, not gasoline) and I'd like
:: to get insurance. I am not worrying about my bike getting stolen (all
:: the insurance policies I found with google offer this) but about
:: running into a pedestrian and having to pay the medical bills. I live
:: in California.
::

I know this is a silly question to ask in regards to insurance, but do you
expect to run into pedestrians much?

Tony Bruguier said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills.

??????

Why?

--
Frank Krygowski [To reply, remove rodent and vegetable dot com.
Substitute cc dot ysu dot
edu]

In article <[email hidden]>,

Tony Bruguier said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

Ask your insurance agent about an umbrella policy. Mine cost ~$200/year
for $1M in coverage.
--
<a href="http://www.poohsticks.org/drew/">Home Page</a>
Life is a terminal sexually transmitted disease.

Tony Bruguier said:

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

Just don't run over any lawyers! On second thought, that might be kind of
difficult out there...

Seriously, your homeowners/renters/umbrella policy should cover it.

Matt O.

Frank Krygowski said:

Quoted message said:

I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills.

Quoted message said:

Why?

He lives in California :-)

I get £5m public liability insurance included in the price of my cycle
club membership; maybe LAB does the same?

Guy
--
May contain traces of irony. Contents liable to settle after posting.
http://www.chapmancentral.co.uk

88% of helmet statistics are made up, 65% of them at Washington University

"Tony Bruguier" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd

like

Quoted message said:

to get insurance. I am not worrying about my bike getting stolen

(all

Quoted message said:

the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I

live

Quoted message said:

in California.

I can't help about California, but here in Britain it's very easy to
get, unlike theft insurance. That's because, of course, a bike
doesn't often do much damage to things or people. I have it three
times over, through the Cyclists touring Club, through Audax UK, and
through the London Cycling Campaign. It comes free with membership
of each orgainzation.

I don't know whether some orgaization like the LAB offers it in the
USA. It would be worthwhile to do.

Jeremy parker
London UK

Just zis Guy said:

I get £5m public liability insurance included in the price of my cycle
club membership; maybe LAB does the same?

No, not AFAIK.

LAB is, unfortunately, somewhat useless. The current ruling dynasty has
transformed it into an industry shill, and changed the bylaws (without
prior notice) to make honest elections to the board difficult or
impossible. They're trying to make the board self-perpetuating.

Member services are a small fraction of what they were in, say, the
1970s. Volunteer involvement is approximately zero, and is not
welcomed. They are giving "Bicycle Friendly City" awards to cities that
ban bikes from major streets, and taking the awards away from cities
that haven't hired a bike-path designer. It's a sad, sad situation.

Fortunately, there is a reform group working to regain membership
control, which has the support of some of the country's most prominent,
knowledgeable and politically experienced cyclists. They've been able
to embarrass some board members into positive discussions.

Visit http://www.labreform.org/ for more info.

--
Frank Krygowski [To reply, remove rodent and vegetable dot com.
Substitute cc dot ysu dot
edu]

"Tony Bruguier" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

I'd think that our own Joshua Putnam would be able to answer this quesiton,
seeing how he sells insurance. In fact, I just horsed around a little on his
website and found this:

http://www.phred.org/~josh/bike/bike_insure.html

I've cc'd him on this message, too.

--
Warm Regards,

Claire Petersky
please substitute yahoo for mousepotato to reply
Home of the meditative cyclist:
http://home.earthlink.net/~cpetersky/Welcome.htm
Personal page: http://www.geocities.com/cpetersky/
See the books I've set free at: http://bookcrossing.com/referral/Cpetersky

"Tony Bruguier" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

I'd think that our own Joshua Putnam would be able to answer this quesiton,
seeing how he sells insurance. In fact, I just horsed around a little on his
website and found this:

http://www.phred.org/~josh/bike/bike_insure.html

I've cc'd him on this message, too.

--
Warm Regards,

Claire Petersky
please substitute yahoo for mousepotato to reply
Home of the meditative cyclist:
http://home.earthlink.net/~cpetersky/Welcome.htm
Personal page: http://www.geocities.com/cpetersky/
See the books I've set free at: http://bookcrossing.com/referral/Cpetersky

I got some bike insurance I will sell you, sir. e-mail me and I will
send you a policy. Does $10 dollar a month sound ok?

Should be covered by your renters/homeowners policy. Medical or general
liability. Umbrella is additional coverage on top of
renters/homeowners/auto policy.

Tony Bruguier said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

Thanks a bunch,
Tony

"Roger Zoul" <[email hidden]> wrote in message news:<[email hidden]>...

Quoted message said:

I know this is a silly question to ask in regards to insurance, but do you
expect to run into pedestrians much?

I've done it. (True Confessions)

I was in a hurry, flying down an empty bike path when a couple of
pre-teen girls wandered onto the trail just in front of me (oblivious
to everything around them as only pre-teen girls can be). As they
were moving to the right, I had just enough time to brake, call "on
your left" and then react as one of them, yes, moved back to the left.
I had slowed to about 15 by the time I hit her. Fortunately, I only
hit the back of her left arm with my right arm as I squeezed by, and I
didn't go down. She was fine, but if I had reacted a bit slower or if
she had moved farther left, either or both of us could have been
seriously hurt (most likely me, as I would have bailed off to the
side).

As the adult, it was entirely my responsibility. Dunno what I was
thinking, going into time-trial mode on a bike trail in the middle of
a sunny weekend afternoon -- I should've known better. I guess I
figured a clear trail ahead was safe enough.

So it can and does happen, and it could easily be an oblivious child
who causes the accident. Better to be insured.

JR

[email hidden] (Tony Bruguier) wrote in message news:<[email hidden]>...

Quoted message said:

Hi all,

I just bought a used bike (carbs powered, not gasoline) and I'd like
to get insurance. I am not worrying about my bike getting stolen (all
the insurance policies I found with google offer this) but about
running into a pedestrian and having to pay the medical bills. I live
in California.

Thanks a bunch,
Tony

It is covered under my homeowners insurance policy. Unfortunately, I
know that because of personal experience.

BTW, I also live in California.

Tom