Brian Powell
Thanks for the reply Scott. I'm not an attorney or insurance agent, I just like to feel assured that if needed, I have insurance coverage. I found all policies to cover pedestrians. Reading policy definitions for "Pedestrian" seems to be vague and surprisingly a number of agents selling insurance are unclear if a cyclist is a pedestrian. I found a policy that defines a pedestrian as an operator of a non-motorized vehicle and that wording made the difference for me.....
Take care,
Brian
Sent from my iPhone
> On Oct 2, 2016, at 4:09 PM, Scott Kocher wrote:
>
> Thanks, Brian. I don't know that I've ever come across an Oregon auto policy that has a scope broader than the statutory minimum requirements regarding coverage for people while cycling (or as pedestrians). I've certainly heard wrong information from insurance companies. Fortunately, Oregon law requires that UIM coverage protect folks while cycling or as pedestrians, although only if there is a driver at fault. The outcome often hinges on whether you bought $25k or $300k or $1m of UIM coverage. If you've seen something specific in a particular company's policy that seems better than others, I'd be really interested to check it out (and recommend it to others!).
>
> See you out there,
> Scott
>
> Scott F. Kocher
> Forum Law Group LLC
> 503 445 2102
>
>> On Fri, Sep 30, 2016 at 8:31 PM, Brian Powell wrote:
>> Good point Scott and well worth preparing for before one needs it. It's worth reading your insurance policy and asking your insurance agent specific questions regarding coverage while riding. Not all auto insurance companies are the same. I had to spend time shopping for a policy I felt would adequately cover me while cycling in the event an uninsured motorist was involved.
>>
>> Sent from my iPhone
>>
>> > On Sep 30, 2016, at 5:41 PM, Scott Kocher via OBRA wrote:
>> >
>> > This came up recently and is worth repeating if you didn't know that your auto insurance protects you when you're riding, or need a reminder to check your coverage:
>> >
>> > Everyone who reads this list should have as much underinsured motorist coverage ("UIM") as you can get on your automobile insurance. $300k or $1m of UIM coverage can be surprisingly cheap. If you are hit while riding, this could be your only protection. Yes, that's right, your own car insurance covers you while you are riding (or walking or running) if an uninsured or underinsured driver hits you. A driver who hits you is disproportionately likely to have $25,000 (minimum) coverage or be entirely uninsured. If you don't have auto insurance there are some newer options worth asking around about, but shop carefully: actual UIM coverage helps with medical, wage loss, and non-economic losses. Some "bike insurance" schemes are limited to property damage plus a couple thousand "med pay." Not the same.
>> >
>> > Questions?
>> >
>> > Scott
>> >
>> > Scott F. Kocher
>> > Forum Law Group LLC
>> > 503 445 2102
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