gschreckchat@comcast.net
Best defense, deny everything. In fact, deny that ou were on the ride and claim that someone stole your bike and cycling clothes, as you would nver be so careless as to cause a crash.
--
George Schreck
gschreckchat@comcast.net
(503) 502-0425
-------------- Original message --------------
From: "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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