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< General ~ insurance when your bike damages a car. |
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Ted Welter
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 Posted: Mon Jul 16, 2012 12:59 pm |
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 Engages in bitter arguments over 165 vs 170 cranksJoined: Thu Sep 13, 2007 11:10 amPosts: 3020Location: Longfellow/Minneapolis
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Can't say who was at fault. Cruising down m'haha pkwy last Saturday, taking the lane at 22mph and keeping up with traffic, the SUV in front of does a quick stop at a path crossing. I slammed on the breaks, but my chainring (actually, chainguard) on my recumbent squished the guy's plastic bumper and dinged/scratched the paint off the metal part of the rear door. Haven't seen the estimate yet, but we exchanged addresses, etc., and we waited around for the MPD to take a report.
Anyone have any experience with a similar situation?
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mn_rando_guy
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| Posted: Mon Jul 16, 2012 1:24 pm |
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 Sometimes worries that steel is not realJoined: Mon Jan 08, 2007 10:18 amPosts: 1045Location: The great West of Colorado
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Do you have drivers insurance AKA car insurance? If you do, more than likely that will cover it, but YMMV.
Good luck
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Start demanding safe passage on our public roads!
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omgmrj
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| Posted: Mon Jul 16, 2012 4:47 pm |
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 Dances on the pedals in a most immodest wayJoined: Thu Feb 12, 2009 11:15 amPosts: 7148
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Ted Welter wrote: (actually, chainguard) Doing its job. Nice!
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JenNastix wrote: You guys ever wonder if we're over-thinking this bike riding thing sometimes? |
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SDHO
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| Posted: Tue Jul 17, 2012 1:35 am |
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 ClincherJoined: Fri Jul 13, 2012 10:14 pmPosts: 127Location: Augsburg Park
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I haven't experienced exactly this, but having recently been in my first car-bike accident (where the driver was at fault), I've had a lot of reason to get curious about this.
If you're at fault -- and it sounds like you are -- your insurance is liable for the damages, and you will have to pay a deductible. If you own a car and have car insurance, the claim will go to them. If you do not own a car, then it would go to anyone who is insured in your household. If you're in a totally car-free household (good job!), then it might come to your personal liability coverage on your homeowner's or renter's policy -- it's broad coverage for unintentional acts not covered by other insurance.
Hopefully at least one of these applies. Otherwise, it may be simplest just to pay him out of pocket (making sure he releases you from future liability), assuming the damages aren't absurd.
And on the bright side... an SUV actually stopping for a pedestrian in a crosswalk is a pretty good sight!
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bc3
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| Posted: Tue Jul 17, 2012 1:46 am |
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 Secret: wants a tall bikeJoined: Sun Dec 21, 2008 12:06 amPosts: 422Location: South Minneapolis - Central
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[quote
And on the bright side... an SUV actually stopping for a pedestrian in a crosswalk is a pretty good sight![/quote]
+1
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kuando
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| Posted: Tue Jul 17, 2012 6:42 am |
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| Better to have Bikeloved and lost than never to have Bikeloved at allJoined: Tue May 29, 2007 9:22 pmPosts: 2721Location: Golden Valley
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Yeah it's like $700-$1000 a panel or bumper. So one bumper and one panel might be $1.5k.
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Ted Welter
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| Posted: Tue Jul 17, 2012 3:12 pm |
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| Engages in bitter arguments over 165 vs 170 cranksJoined: Thu Sep 13, 2007 11:10 amPosts: 3020Location: Longfellow/Minneapolis
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kuando wrote: Yeah it's like $700-$1000 a panel or bumper. So one bumper and one panel might be $1.5k. 1.4k. Got a claim number and an adjuster. We'll see how it goes.
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omgmrj
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| Posted: Tue Jul 17, 2012 3:14 pm |
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| Dances on the pedals in a most immodest wayJoined: Thu Feb 12, 2009 11:15 amPosts: 7148
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Kuando should be a claims adjuster with that kind of accuracy.
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JenNastix wrote: You guys ever wonder if we're over-thinking this bike riding thing sometimes? |
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slowpoke
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| Posted: Tue Jul 17, 2012 3:55 pm |
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| HandslingerJoined: Thu Dec 30, 2010 12:37 amPosts: 478
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I once tried to go between the curb and a SUV- a stupid dangerous move in and of itself- and broke the side view mirror off of the vehicle right off with my shoulder. ( Cheap construction- I barely even felt it). Turns out that the driver was a cop just getting off work. Insurance was not involved since I don't own a car so I just gave her my number to call me with the bill. Needless to say, I had no intension of weasling out of paying a cop what I owed her. I got lucky. she could have charged me 300$ + for a new mirror from a dealer. Instead she got the cheapest one she could find from a junk yard and I only had to pay 160.
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ebbmart
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| Posted: Tue Jul 17, 2012 4:07 pm |
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 Saw Greg Lemond once at a restaurantJoined: Tue Jun 29, 2010 3:21 pmPosts: 1954Location: Powderhorn 24 territory
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slowpoke wrote: I once tried to go between the curb and a SUV- a stupid dangerous move in and of itself- and broke the side view mirror off of the vehicle right off with my shoulder. ( Cheap construction- I barely even felt it). Turns out that the driver was a cop just getting off work. Insurance was not involved since I don't own a car so I just gave her my number to call me with the bill. Needless to say, I had no intension of weasling out of paying a cop what I owed her. I got lucky. she could have charged me 300$ + for a new mirror from a dealer. Instead she got the cheapest one she could find from a junk yard and I only had to pay 160. As Im sure you know, some people do that on purpose...  But clearly she was one of the good ones... omgmrj wrote: Kuando should be a claims adjuster with that kind of accuracy. Something tells me Kuando might have a little experience in this realm.
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slowpoke
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| Posted: Tue Jul 17, 2012 4:28 pm |
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| HandslingerJoined: Thu Dec 30, 2010 12:37 amPosts: 478
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ebbmart wrote: As Im sure you know, some people do that on purpose... Oh yeah,that's right . I totally did that on purpose to smash the state, not because I'm a clumsy dumbass. bc3 wrote: And on the bright side... an SUV actually stopping for a pedestrian in a crosswalk is a pretty good sight! Now, Now. my wife just bought a Hyundai Tuscon. It's a nice car.
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