Brian Engelen

David,

If I'm in a group ride and I put down a fellow rider, totally my fault,
sorry. What insurance will protect me? Homeowner's + umbrella?

-----Original Message-----
From: obra-bounces@list.obra.org [mailto:obra-bounces@list.obra.org] On
Behalf Of David Hart
Sent: Wednesday, January 03, 2007 4:06 PM
To: obra@list.obra.org
Subject: [OBRA Chat] insurance liability for group rides

With your general homeowner's policy, it protects you under the liability
coverage when you are LEGALLY liable to someone for either property damage
or injury/death. There is even coverage available to handle medical bills
if you have a cycling buddy over and he falls down your stairs in his
cleats!

So if you are on a group ride and you crash into your buddy who is riding
and you cause him injury/damage, you could be protected by your policy. If
you blow a red and hit a ped, your policy would cover damages to them and
same if you hit a car, or go into a window of a Starbucks...

There is an exclusion usually that if you are running a 'business' that your
personal homeowner's would not apply. I don't know of a group ride that
makes you pay to do but thought I would throw that out there.

Other notes about liability:

If a dog attacks you, that is a liability claim against the homeowner to pay
for your damages. Same goes for thier child that runs you down on thier BMX
bike (happened to an old teammate).

Another thought: If you are riding & get hit by a car then the car flees.
If you have evidence to support that, you could have auto insurance to
handle YOUR damages (injury and bike damage. I know Mark handles these
types of cases. I am just the insurance guy that handles some if it.

A funny note: Your auto policy pays for damages to your buddie's bike that
is on your roof when you drive into your garage...
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