Insurance for bike (liability, not theft)

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

On 4 Oct 2004 08:16:29 -0700, (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.

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 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.

??????

Why?


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

In article ,
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.

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 wrote:

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.

On Mon, 04 Oct 2004 13:26:35 -0400, Frank Krygowski
wrote in message :

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?

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" wrote in message
om...
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 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, you know? wrote:


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" wrote in message
om...
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
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Home of the meditative cyclist:
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