Per Bjesse

Of course he is telling you that it will be easier to try to get it
covered under some other insurance. That is his job.

On 1 August 2011 12:23, Brian wrote:
> My wife recently drove into the garage with her bike on top of the car. You all know the story from here... bike destroyed, bike rack and tray torn up, roof of car dented and dinged. Strange conversation with my insurance agent this morning and he has never had a claim like this in all his years. Have to think this happens more often than he thinks (I did it myself 15 years ago pulling into my spot at an apartment). He says the car will be obviously covered under our auto policy, but there is a massive grey area with regards to the bike being on a rack on the car and making a claim on our homeowners policy would be alot easier if the bike had just been stolen. Any feedback or info would be much appreciated.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

rondot@spiritone.com

You need to advocate hard for yourself with either the auto or home
insurance company. Your car, rack and bike should be covered (less
deductible) unless there is some provision stating it is not so. Be
positive!
ron

-----Original Message-----
From: Brian
Sent: Monday, August 01, 2011 12:23 PM
To: obra@list.obra.org
Subject: [OBRA Chat] Bike Damage on Cartop

My wife recently drove into the garage with her bike on top of the car. You
all know the story from here... bike destroyed, bike rack and tray torn up,
roof of car dented and dinged. Strange conversation with my insurance agent
this morning and he has never had a claim like this in all his years. Have
to think this happens more often than he thinks (I did it myself 15 years
ago pulling into my spot at an apartment). He says the car will be obviously
covered under our auto policy, but there is a massive grey area with regards
to the bike being on a rack on the car and making a claim on our homeowners
policy would be alot easier if the bike had just been stolen. Any feedback
or info would be much appreciated.
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Dan H

Would you like me to steal the bike?
Just set it in the driveway with the damaged rack parts.

----- Original Message -----
From: "Brian"
To:
Sent: Monday, August 01, 2011 12:23 PM
Subject: [OBRA Chat] Bike Damage on Cartop

> My wife recently drove into the garage with her bike on top of the car.
> You all know the story from here... bike destroyed, bike rack and tray
> torn up, roof of car dented and dinged. Strange conversation with my
> insurance agent this morning and he has never had a claim like this in all
> his years. Have to think this happens more often than he thinks (I did it
> myself 15 years ago pulling into my spot at an apartment). He says the car
> will be obviously covered under our auto policy, but there is a massive
> grey area with regards to the bike being on a rack on the car and making a
> claim on our homeowners policy would be alot easier if the bike had just
> been stolen. Any feedback or info would be much appreciated.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

Tom Orth

Pretty common story. Happened to a guy I work with last year. Also
happened to a woman I work with about 10 years ago. In both cases they were
driving home from the bike shop with new bikes on new roof racks. Neither
had ever been ridden beyond the shop test ride before they were destroyed.

On Mon, Aug 1, 2011 at 12:23 PM, Brian wrote:

> My wife recently drove into the garage with her bike on top of the car. You
> all know the story from here... bike destroyed, bike rack and tray torn up,
> roof of car dented and dinged. Strange conversation with my insurance agent
> this morning and he has never had a claim like this in all his years. Have
> to think this happens more often than he thinks (I did it myself 15 years
> ago pulling into my spot at an apartment). He says the car will be obviously
> covered under our auto policy, but there is a massive grey area with regards
> to the bike being on a rack on the car and making a claim on our homeowners
> policy would be alot easier if the bike had just been stolen. Any feedback
> or info would be much appreciated.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

joec@aracnet.com

Typically your bike will be covered under your home or rental policy.
I was involved in a nasty auto/bike crash 7 years ago and my renters
insurance paid for the initial cost of replacing my bike.

For those who rent a house/apt, I strongly encourage you to purchase
renters insurance. It costs me $155.00/year at the time. Best purchase
we ever made.

Joe

On Mon, 1 Aug 2011 12:23:05 -0700, Brian wrote:
> My wife recently drove into the garage with her bike on top of the
> car. You all know the story from here... bike destroyed, bike rack and
> tray torn up, roof of car dented and dinged. Strange conversation with
> my insurance agent this morning and he has never had a claim like this
> in all his years. Have to think this happens more often than he thinks
> (I did it myself 15 years ago pulling into my spot at an apartment).
> He says the car will be obviously covered under our auto policy, but
> there is a massive grey area with regards to the bike being on a rack
> on the car and making a claim on our homeowners policy would be alot
> easier if the bike had just been stolen. Any feedback or info would be
> much appreciated.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

Brian

My wife recently drove into the garage with her bike on top of the car. You all know the story from here... bike destroyed, bike rack and tray torn up, roof of car dented and dinged. Strange conversation with my insurance agent this morning and he has never had a claim like this in all his years. Have to think this happens more often than he thinks (I did it myself 15 years ago pulling into my spot at an apartment). He says the car will be obviously covered under our auto policy, but there is a massive grey area with regards to the bike being on a rack on the car and making a claim on our homeowners policy would be alot easier if the bike had just been stolen. Any feedback or info would be much appreciated.