Gear not covered?

[Rider]

Originally Posted by TIGGER

Whoa buckaroo! Last I knew,Mi's no fault laws do not apply to motorcycles. When I was rear ended,the other guy's bike insurance paid for my bike and my medical because he was at fault.

Now as far as gear goes,some companies include a preset amount of gear coverage and some don't. If I were you,I'd look at my bike policy very closely... do not just trust the adjuster's word for it! Also,look into your auto policy and your home owner's policy. A lot of times,homeowner's insurance covers losses not covered by auto policies,like stolen and damaged personal items. Also,since another vehicle was involved,you may be able to claim your medical bills,lost work and your gear against his policy regardless of fault. Make sure you at least call them and check. Trust me,his truck ran over your leg,they would be MORE than happy to pay a couple medical bills,work days and for some gear than the cost of a lawsuit,win or lose! Besides,if they owe anything based on ins. law,your ins will subrogate the money from his company after the fact. Quite frankly,that guy probably called his ins company and they may be just waiting for you to call them.

I already have a claim into his insurance company for the medical bills. They are covering them all. Really it's not a big deal. The only gear that was damaged was the helmet. MY gloves are perfect not a mark on them. My jacket is in great shape once I washed it(It's textile). My boots, who cares, I needed new ones anyway. I'll call his insurance company and see if they'll cover my helmet. If not it's not the end of the world. Helmets are relatively cheap considering their function and I wanted to buy a new one anyway.

Oh and there was no fault cited in the accident since they calculated I was going 36 in a 35. The driver of the truck should have had a flagger at the top of the hill but he is required to have one. I spoke with a friend of mine who is a personal injury attorney and he told me that really unless there is some permanent physical damage they limits my ability to maintain my current lifestyle, I really don't have a case. The way the laws are written, You have to reach a minimum pre defined threshold of monetary damage, and it doesn't look like I would come anywhere close to that. I had an MRI on Sunday, so when I get the results back form that, then we will know if there is any further action I need to take.

[azoomm]

Originally Posted by Rider

I already have a claim into his insurance company for the medical bills. They are covering them all. Really it's not a big deal. The only gear that was damaged was the helmet. MY gloves are perfect not a mark on them. My jacket is in great shape once I washed it(It's textile). My boots, who cares, I needed new ones anyway. I'll call his insurance company and see if they'll cover my helmet. If not it's not the end of the world. Helmets are relatively cheap considering their function and I wanted to buy a new one anyway.

Oh and there was no fault cited in the accident since they calculated I was going 36 in a 35. The driver of the truck should have had a flagger at the top of the hill but he is required to have one. I spoke with a friend of mine who is a personal injury attorney and he told me that really unless there is some permanent physical damage they limits my ability to maintain my current lifestyle, I really don't have a case. The way the laws are written, You have to reach a minimum pre defined threshold of monetary damage, and it doesn't look like I would come anywhere close to that. I had an MRI on Sunday, so when I get the results back form that, then we will know if there is any further action I need to take.

OK, strange to me. In every state I've lived - it's been a no-fault state. Yet, in accidents that are clearly someone's fault THEIR insurance company has taken care of my damages.

I think you're being too nice.

36 in a 35? Let's talk error ratios, and the fact that getting an EXACT speed from a skid mark is impossible. I just did skid test training with a County Sheriff department at the track - no where in there did they EVER make an exact speed.

You are being TOO NICE and accepting their answers.

I'm not saying sue them. I'm saying just stand up a bit, it's alright. You aren't a bad person for doing it.

[Rider]

Originally Posted by azoomm

OK, strange to me. In every state I've lived - it's been a no-fault state. Yet, in accidents that are clearly someone's fault THEIR insurance company has taken care of my damages.

I think you're being too nice.

36 in a 35? Let's talk error ratios, and the fact that getting an EXACT speed from a skid mark is impossible. I just did skid test training with a County Sheriff department at the track - no where in there did they EVER make an exact speed.

You are being TOO NICE and accepting their answers.

I'm not saying sue them. I'm saying just stand up a bit, it's alright. You aren't a bad person for doing it.

Well now it's up to my insurance company to battle it out with theirs. I'm removing myself from it. The police report has been given to both insurance companies and if they want to take each other to court then that's their problem. The truck had zero damage so his insurance company is only paying for my medical bills. I might press the issue on covering my gear, but that's about all I want. Whats done is done. I'm just ready to move on and heal up.

[azoomm]

Originally Posted by Rider

Well now it's up to my insurance company to battle it out with theirs. I'm removing myself from it. The police report has been given to both insurance companies and if they want to take each other to court then that's their problem. The truck had zero damage so his insurance company is only paying for my medical bills. I might press the issue on covering my gear, but that's about all I want. Whats done is done. I'm just ready to move on and heal up.

Roger dat.

Here's to healing quickly and completely....

[ceo012384]

Originally Posted by azoomm

I think you're being too nice.

You are being TOO NICE and accepting their answers.

I'm not saying sue them. I'm saying just stand up a bit, it's alright. You aren't a bad person for doing it.

Exactly... we are on the same page zoomie.

[Corey]

Unless specifically stated in an insurance policy, there's no coverage for gear. Even if it's a "full coverage" policy (which is a joke in itself), it won't be covered unless listed. Some insurance companies offer coverage of your gear under an insurance rider (add on, not actual rider who rides a bike), but they'll charge extra, of course. Also, the rider will either be for gear which you specifically list with stated values, or a more generic "we'll give you up to $xxx" with the amount they'll cover varying on the amount of coverage you elect to carry.

It sucks, but if it's not specifically listed in your policy, you can fight tooth and nail with the insurance companies and still come out with nothing.

[LeeNetworX]

Doesn't anyone ever read their policy when they buy it/renew it and understand what's covered and what's not? Not knocking anyone; I'm just surprised to hear this? I guess I must be anal.

[Mr Lefty]

Originally Posted by LeeNetworX

Doesn't anyone ever read their policy when they buy it/renew it and understand what's covered and what's not? Not knocking anyone; I'm just surprised to hear this? I guess I must be anal.

I don't. I just get pissed when it's not what benifits me...

[LeeNetworX]

Originally Posted by Ebbs15

I don't. I just get pissed when it's not what benifits me...

The American way!

[Mr Lefty]

Originally Posted by LeeNetworX

The American way!

HELL YES!


no honestly... I have a very good Agent... my dad's best friend from HS... and he's helped me out with several claims... actually finding benifits I didn't know I had... like coverage for the rental truck I had to use to get my bike home.

usually I'll browse my contracts/policies/agreements... but won't decypher them completely... I'm lazy that way... but in all honesty don't get worked up unless i know for a fact that I'm being screwed