arlo

And, take pics of your gear and keep receipts so you can prove what you had once it's gone.

Matt Savage

Make sure the policy will cover full retail replacment value for a new one, not the depreciated value.

Sent from Matt Savage's EyeFöne...

On Jan 20, 2012, at 2:23 PM, thrillseeker05@yahoo.com wrote:

> what's the best way to insure multiple bikes?. we own our home but do not have these on our homeowners insurance. do i need to take out renters insurance to insure?
>
> thanks
> Jimmy
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

Mark J. Ginsberg

I go with Todd on this one.

Just as the car stereo is covered when stolen, under the car policy. the CDs, tapes or 8 tracks themselves (You reading Michael O'Hair?) are covered under homeowners/renters b/c not part of the car.

M

toddistic

I had a different experience. Homeowners covered my bike and my friend's
bike (up to $500) after the bikes left the top of my car via a parking
garage. Auto Insurance covered the bike racks themselves and cosmetic
damage to the car (less the deducible) but the bikes themselves were not
covered. The deductible on my "wife insurance" for having her pick me up
from the hospital post bike crash is still being paid for.

On Fri, Jan 20, 2012 at 2:35 PM, wrote:

> It has been my experience that your renter/homeowners insurance will
> cover
> items that you list as contents within your home for theft/damage. If
> your
> ride is damaged is damaged while on your vehicle, your auto policy will
>
> cover it. If you are using it (non-race related) and it is damaged,
> then your
> homeowner policy should kick in.
>
> Certainly contact your agent for specifics.
>
> Joe
>
> On Fri, 20 Jan 2012 14:23:30 -0800 (PST), thrillseeker05@yahoo.com
> wrote:
> > what's the best way to insure multiple bikes?. we own our home but do
> > not have these on our homeowners insurance. do i need to take out
> > renters insurance to insure?
> >
> > thanks
> > Jimmy
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

Mark J. Ginsberg

Yup.

Also be careful, in that you can't rely too much on an agent to guarantee what will be covered, you really do need to read your policy.

I recommend reading it some night when you can't sleep. zzzz.

joec@aracnet.com

It has been my experience that your renter/homeowners insurance will
cover
items that you list as contents within your home for theft/damage. If
your
ride is damaged is damaged while on your vehicle, your auto policy will

cover it. If you are using it (non-race related) and it is damaged,
then your
homeowner policy should kick in.

Certainly contact your agent for specifics.

Joe

On Fri, 20 Jan 2012 14:23:30 -0800 (PST), thrillseeker05@yahoo.com
wrote:
> what's the best way to insure multiple bikes?. we own our home but do
> not have these on our homeowners insurance. do i need to take out
> renters insurance to insure?
>
> thanks
> Jimmy

Mike Richardson

Your homeowners should cover. I'd ask your agent. If they're worth a bunch they might want you to add a rider.

Mike

On Jan 20, 2012, at 2:23 PM, thrillseeker05@yahoo.com wrote:

> what's the best way to insure multiple bikes?. we own our home but do not have these on our homeowners insurance. do i need to take out renters insurance to insure?
>
> thanks
> Jimmy
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

thrillseeker05@yahoo.com

what's the best way to insure multiple bikes?.

T. Kenji Sugahara

Can anyone help us out with finding insurance for contents/property for OBRA?

Thanks.

--
Kenji Sugahara
Executive Director
Oregon Bicycle Racing Association
Phone:  503-278-5550
http://www.obra.org

shane.young@oregonvelo.com

I thought I would check with the group before I check else where... are there any insurance agents out there? Looking for renters insurance and some other coverage.

Thanks
Shane

Thomas Hoffman

On a motorcycle website I frequent, we had a discussion about the concept of
ATGA -All The Gear All the Time. In short, always wear protective
motorcycle clothing, and have INSURANCE. If you don't have medical coverage
don?t buy a motorcycle.
I am knocking on wood, my injuries have been VERY minor, I hope I never have
to use it. And Thank god my wife's job includes a great family coverage
plan.

Thomas Hoffman
RE/MAX equity group
503-495-5607 Direct
503-475-3417 Cell
www.tomshometeam.com

-----Original Message-----
From: obra-bounces@list.obra.org [mailto:obra-bounces@list.obra.org] On
Behalf Of mark duff
Sent: Friday, November 09, 2007 1:12 PM
To: mike.murray@obra.org; obra@list.obra.org
Subject: [OBRA Chat] insurance

My Costs $$ were similar to Mike @ $12k a night, I spent 4 nights in the
Trama Unit and my bill came to just over $48k for the final cost, I actually
thought it was going to be more. If I did not have insurance my life would
have changed vastly because of the added medical debt. Please everyone.. if
you race! Make sure you have insurance. It can give you peace of mind when
you are laying on the ground.
Cheers
Mark
www.veloforma.com

> From: mike.murray@obra.org
> To: obra@list.obra.org
> Date: Fri, 9 Nov 2007 08:54:30 -0800
> Subject: Re: [OBRA Chat] was vote, now insurance
>
> M&G McCabe wrote:
> "A couple of evenings in the hospital can run more than $10,000.00; the
> minimum PIP will only cover, therefore, a couple of nights (or so,
perhaps)
> in the hospital."
>
> This is a fairly massive underestimation of the possible medical costs. 2
> years ago I had a fall at the track with a brief alteration of
consciousness
> which led to an ambulance transport and level 2 trauma admission to the
ED.
> My injuries were fairly minimal and I went home from the ED that day
without
> admission to the hospital. I do not get charged by the ED doctors because
I
> work for the same company they do and they are my partners. I do, however,
> pay the trauma doctors and oromaxillofacial docs whose input to my care
was
> minimal. I also, of course, pay hospital costs. There was no surgery. In
> fact, not that the care was inappropriate, if I had just gone home the
> results would have been the same. The bill was near $15,000. I would
> expect that it is rare that a 2 night stay in the hospital comes in under
> $10,000.
>
> Mike Murray
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

________________________________

Help yourself to FREE treats served up daily at the Messenger Café. Stop by
today!

Mike Murray

mark duff wrote:
"Please everyone.. if you race! Make sure you have insurance."

Not just if you race. There are a lot of other ways to end up needing
medical care other than falling off your bike. At the very least get a high
deductible policy so you don't go broke if you get sick or are injured. If
you get it before you develop a significant medical problem it will also
make it so you can continue to purchase insurance. If you wait until after
you have had a problem you may not be able to buy it. You don't have to
belong to a group or get your insurance through an employer. You can just
call an insurance agent or go on the web and buy it.

Mike Murray

mark duff

My Costs $$ were similar to Mike @ $12k a night, I spent 4 nights in the Trama Unit and my bill came to just over $48k for the final cost, I actually thought it was going to be more. If I did not have insurance my life would have changed vastly because of the added medical debt. Please everyone.. if you race! Make sure you have insurance. It can give you peace of mind when you are laying on the ground.
Cheers
Mark
www.veloforma.com

> From: mike.murray@obra.org
> To: obra@list.obra.org
> Date: Fri, 9 Nov 2007 08:54:30 -0800
> Subject: Re: [OBRA Chat] was vote, now insurance
>
> M&G McCabe wrote:
> "A couple of evenings in the hospital can run more than $10,000.00; the
> minimum PIP will only cover, therefore, a couple of nights (or so, perhaps)
> in the hospital."
>
> This is a fairly massive underestimation of the possible medical costs. 2
> years ago I had a fall at the track with a brief alteration of consciousness
> which led to an ambulance transport and level 2 trauma admission to the ED.
> My injuries were fairly minimal and I went home from the ED that day without
> admission to the hospital. I do not get charged by the ED doctors because I
> work for the same company they do and they are my partners. I do, however,
> pay the trauma doctors and oromaxillofacial docs whose input to my care was
> minimal. I also, of course, pay hospital costs. There was no surgery. In
> fact, not that the care was inappropriate, if I had just gone home the
> results would have been the same. The bill was near $15,000. I would
> expect that it is rare that a 2 night stay in the hospital comes in under
> $10,000.
>
> Mike Murray
>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

_________________________________________________________________
Help yourself to FREE treats served up daily at the Messenger Café. Stop by today.
http://www.cafemessenger.com/info/info_sweetstuff2.html?ocid=TXT_TAGLM_OctWLtagline

Chris

Here is something that came to me in an email. These people are also my
education fund lenders.

Temprorary medical insurance:

http://www.success.salliemae.com/redirect.asp?Url=https://selfservice.salliemae.com/content/vendorredirect.asp?strVendorID=000292

I AM NOT AFFILIATED WITH THEM AT ALL AND AM NOT RESPONSIBLE FOR COVERAGE
PLANS. I HOLD NO RESPONSIBILITY FOR ANYTHING IN OR ON THIS LINK.

I HOPE IT HELPS SOMEBODY WITH PERSONNAL MEDICAL INSURANCE, IF NEEDED. MAKE
SURE TO CONTACT THEM AND SEE IF THIS IS THE REAL DEAL. I HAVE NO IDEA IF IT
COVERS SPORTS INJURIES.