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#221
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The Real Bev said...
NONONONONONONO! You owe them nothing! Would you buy the bike in its present condition for $200? Of course not! You might give $20 just in case SOME part of it might be reusable (maybe one of the cables?), but even that's a stretch. Sure, I'd buy it for $200. I already know somebody who wants to buy it from me for twice what I paid for salvage. |
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SuperSlinky wrote:
The Real Bev said... NONONONONONONO! You owe them nothing! Would you buy the bike in its present condition for $200? Of course not! You might give $20 just in case SOME part of it might be reusable (maybe one of the cables?), but even that's a stretch. Sure, I'd buy it for $200. I already know somebody who wants to buy it from me for twice what I paid for salvage. sigh Have you ever thought of getting a T-shirt with a big red "VICTIM" and a bullseye on the back? Maybe I'm being too harsh, but the idea of spending $200 on a parts bike just seems WRONG. Comes from doing all my bike shopping at yard sales, I guess. We turned down a near-virgin Schwinn Paramount with its 197x sales slip for $250... -- Cheers, Bev -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- "I love to go down to the schoolyard and watch all the little children jump up and down and run around yelling and screaming...They don't know I'm only using blanks." --Emo |
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Hunrobe wrote:
The Real Bev wrote: Since you have lawyers, ask them if you can submit the medical bills to the insurance company you're dealing with AND to your own medical insurance company (if any). That MRI could give you a second bicycle, or at least a nice Bob trailer. Bev- I'd be awfully leery of any lawyer that said, "Sure, go ahead.". Every insurance policy I've ever seen has subrogation clauses. BTW, *both* my trailers are nice but neither is for sale. Oh, you meant BOB trailers. ;-) When I did it (perhaps it's different now) there was no coordination of benefits between liability insurers and medical insurers. If it were a question of medical insurance only, then the two companies would share the cost. Same with two liability companies. But think -- both insurance companies have been fully paid to insure that accident, why should one of them get a free or discounted ride? -- Cheers, Bev ================================================== ======= "Anonymity is a shield from the tyranny of the majority." -- U.S. Supreme Court, McIntyre v Ohio Elections,1995 |
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#225
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On 21 Sep 2004 02:53:49 GMT, Hunrobe wrote:
The Real Bev wrote in part: But think -- both insurance companies have been fully paid to insure that accident, why should one of them get a free or discounted ride? The catch is that one pays an insurance premium to insure against *loss*. If one has been made whole by one company then there is no loss for a second company to pay out on, right? Turning your question around a bit, if you have bike theft coverage under a homeowner's or renter's policy and your bike never gets stolen your insurer has gotten a "free ride" haven't they? Or to put it another way, why not pay premiums on three or more homeowner's policies and pray for a hurricane or tornado? ;-) Regards, Bob Hunt I don't insure my bike, just my cars. If the bike gets stolen I am not out that much and if I get hit the drivers insurance will pay for it or that driver will not be out on the road again anytime soon. What could you possibly insure a bike for, liability? Would it be worth the premium? Maybe if you could convince your insurance company that since you ride your bike everywhere you only use you car on weekends to go to church and get groveries. Just maybe. Bill Baka -- Using M2, Opera's revolutionary e-mail client: http://www.opera.com/m2/ |
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On 23 Sep 2004 16:56:45 GMT, Hunrobe wrote:
Bill Baka wrote: I don't insure my bike, just my cars. If the bike gets stolen I am not out that much and if I get hit the drivers insurance will pay for it or that driver will not be out on the road again anytime soon. What could you possibly insure a bike for, liability? Would it be worth the premium? Maybe if you could convince your insurance company that since you ride your bike everywhere you only use you car on weekends to go to church and get groveries. Just maybe. Bill Baka I specified *theft* coverage, Bill. Bikes are partially covered against theft under many homeowner's/renter's insurance policies. Additional coverage is often available simply by adding a bike specific rider. Perhaps your bikes are inexpensive enough that they would fall below a deductible but not every bike is. It would cost about $4000.00 US to replace my road bike if it were stolen. The theft rider on my homeowner's policy costs me less than $100.00 US per year. Mine is a standard rider that covers tools, jewelry, and furs up to $1000.00 US and bikes up to actual replacement cost so for me the insurance makes sense. YMMV. Regards, Bob Hunt I never leave my bike in a position to be stolen, even taking it in stores with me. Not that it is an expensive bike, but I have a lot of work and special parts on it. I would be happy just to get a reduction in my auto insurance since I only drive maybe 15 miles in 2 weeks. $4000.00 on a bike? For that difference I would buy a boat and take it with my car to someplace I could row it while my wife fished. She would be happy and I would get my upper body workout like I used to when I had a lake for a back yard. I used to be all muscle on top, now I am just the opposite, fit but way different proportions. I really need to dig out my weights and start using them. Bill Baka -- Using M2, Opera's revolutionary e-mail client: http://www.opera.com/m2/ |
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#229
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On 25 Sep 2004 06:43:12 GMT, Hunrobe wrote:
Bill Baka wrote in part: I never leave my bike in a position to be stolen, even taking it in stores with me. ---snip--- Television sets, DVD players, and VCRs are taken from living rooms in residential burglaries every day and unlike bikes they aren't designed for mobility. Where the heck do you keep your bike? $4000.00 on a bike? For that difference I would buy a boat and take it with my car to someplace I could row it while my wife fished. $4000.00 for a rowboat? Email me and I'll sell you my jonboat or my kayak. Heck, for $4K I'll sell both *and* throw in a trailer. g Regards, Bob Hunt Well, I had a big boat, 16 foot by 6 feet wide, made for a motor, and I moved to a place where motors were not allowed. Hence I was rowing about an 800 pound boat that could carry 6 people. I switched positions do do both push and pull rowing so got a pretty good upper workout. Nobody even thought about challenging me to an arm wrestle that year. If it had been more in the wild I would have just put my bike in the boat and rowed to a trail but there were houses all around the lake (man made). Can't have it all. Bill Baka -- Using M2, Opera's revolutionary e-mail client: http://www.opera.com/m2/ |
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