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Author Topic: Bike insurance  (Read 1477 times)
muskrat
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« on: January 31, 2011, 11:12:56 AM »

I just got a quote from http://www.strictlycycles.com at 972-540-1900, his name is Wayne.

It's half the price of what I'm paying for all three bikes at $632 with Dairyland.  Thought  I'd pass it along.
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« Reply #1 on: January 31, 2011, 02:19:27 PM »

Dax,

How'd you find this guy and who is the underwriter on the policy? Is it also full coverage? As theft, un-insured motorist, collision and liablity.

Thanks for posting. waytogo
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« Reply #2 on: January 31, 2011, 03:42:15 PM »

I called and the guy gave me a great quote but it was without un and underinsured coverage.  He said to just use my major medical insurance instead.... still not sure.  When I added my exact coverage that I have now it was more expensive.   Cry
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muskrat
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« Reply #3 on: January 31, 2011, 04:12:39 PM »

It's Dairyland and I don need medical as I'm covered through work as long as I'm wearing a helmet which I always do and yes all the coverages mentioned
« Last Edit: January 31, 2011, 04:15:15 PM by muskrat » Logged

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greenohawk69
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« Reply #4 on: January 31, 2011, 06:36:22 PM »

It's Dairyland and I don need medical as I'm covered through work as long as I'm wearing a helmet which I always do and yes all the coverages mentioned

If I am reading your response correctly, your insurance company requires you to wear a helmet to be covered?  Or is it your place of employment? 
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« Reply #5 on: January 31, 2011, 06:49:36 PM »

I'm not required to by our Health providor BUT they can deny a claim.........so it says but I know the AMA has filed a discrimination lawsuit to that end. 
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calscrazy
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« Reply #6 on: January 31, 2011, 07:26:50 PM »

That is true dax. Aetna denied a claim a few months back for that reason. The state that it happened in had a helmet law and that was what gave them the edge!
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muskrat
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« Reply #7 on: January 31, 2011, 07:57:28 PM »

Just read the policy and it doesn't cover uninsured so I'll check back tomorrow n report findings
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TresGatos
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« Reply #8 on: January 31, 2011, 08:16:42 PM »

Hmmm.  Insurance is so fing complicated!  I chose Geico for all my coverage for multi discount, but I still pay for all the stupid commercials bang head
At least they paid 4K for my ten year old stolen DR650. 
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muskrat
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« Reply #9 on: February 02, 2011, 03:09:19 PM »

update........$563 full coverage for all three bikes per year.  I'm not carrying uninsured because I have major medical and comprehensive covers property damage and bike replacement for some asshole without insurance.
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« Reply #10 on: February 03, 2011, 09:15:31 AM »

Never hurts to review the policies.  I checked and saw that I had more un and underinsured coverage on the bikes than I did on the car  Huh?.  So, after calling to make that adjustment I ended up saving $444 a year which I then turned around and used to help fund an umbrella policy for 1.5MM which cost $150 a year.  They made me increase my renters coverage to 300k for an extra $9 a year and my auto liability to 500k for an extra $60/yr so net net I have WAY more coverage and still ended up saving over $200 a year.  Works for me.   waytogo
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muskrat
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« Reply #11 on: February 03, 2011, 09:23:52 AM »

I kept my umbrella policy with state Farm forthe same coverage
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