Join Date: Aug 2005
Location: Blossvale, NY, USA
cycle insurance coverage
This may only apply to the great state of New York and maybe not all vendors. But......
Had a recent incident with tight brakes on a bike that did not get loose with use, and instead locked up the front wheel, when power was no longer being put to rear wheel. I felt fine for a few hours then discovered a large bump on right hip area, sour abdomen and light headed, ect.
Called 911 and took trip to be checked out, two hours later back home with some great pain pills and new respect for tight bakes.
Called Ins. (state farm) of owner of bike and was informed cycle Ins. does not cover driver, rider, nor even some one injured or hurt if bike falls over on them in driveway. Only covers others who are hurt by bike in accident or mishap.
Driver's own medical Ins is to be used by driver and passenger. My Ins.(different one) company does offer some optional coverage to cover the co-pay for service of medical type up to 10,000 at an additional cost of 104.00/ yr.
Is this secret well known and just new to me, and the 15-20 drivers I asked over the last few days???
Toby in New York
1983 R80RT Red (sold)
'03 R1200CLC (T-boned and replaced with)
'04 R1200CL Sidestand problem, BMW traded me for
'05 K1200LT. Goldie, Priceless
Lusting after K1600 GTL