no experience, but heard same . . .
I've been looking into switching insurance for our cars, and in checking companies (for auto and renter's insur.) I've seen some websites where people complain about their dealings with insurance (quick google search should link you). Gratned, a lot of the complaints do sound like the insured were at fault (eg, complaining that insurance was cancelled b/c they paid late -- tough, but not wholly unreasonable, company position).
On the other hand, there are lots of other stories where people report very small claims and suddenly have their rates increased or xcelled and then become an uninsurable risk to all companies. I've even heard this has happened when some have merely *inquired* about making a claim, even if they never file. Other complaints are about being treated like a criminal when making a claim, esp about something being stolen. These complaints weren't about just one company, but most of the major, national companies.
These may be exaggerations, as I've only read others' stories. Still, as paranoid as I am, I'd probably not make a claim if I could help it (probably what the insurers would hope we'd do). Just something to consider . . .
Re: no experience, but heard same . . .
"I'd probably not make a claim if I could help it (probably what the insurers would hope we'd do). Just something to consider . . . "
While this certainly was not intended and not the object at all but...since the bike was stolen from the home of my partner of 10 years, 10 months and 8 days who just uncerimoniosly and by complete surprise dumped me... if it effects her insurance so be it ;-)
If we were still together I would forget it and had planned to buy a new bike anyway but not till May when/if my job gets a good contract (any of you who have union jobs know about the uncertainty of a contract year and saving up for that).
Since I'm looking for a home to buy instead I can't afford to just pass off replacement cost of the bike. I really do not want it to increase her rates but the thought is amusing
oh, didn't know insurance woes could be good news
Wow, sounds like you had it rough with her. Sorry you had to go thru that. Well, I don't wish insurance hassles on anyone, but I'm glad at least that it wouldn't be affecting YOUR rates (or mine)! :)
Back to the Alaskan's issues...
When I was sixteen I didn't give a rats *** about homeowners insurance- so about Alaskans questions- Don't listen to high school boys about sporting goods. At your height, you'll probably do great on a stock bike- the right stock bike. Woman specific bikes are largely for more petite women. I'm 5'6" and ride a standard 16"Zaskar hardtail. The big issue you're going to have is saddles, The stock saddles on bikes are for guys and you'll probably like a womans saddle better. When you buy the bike the dealer should trade out the seat for just a few bucks extra- unless you like it OK and keep it. Or want the hundred dollar Damselfly.
Frankly, I think you need to ride a few bikes to peices before bothering with custom work. You need to find a good shop, and test ride. It's like buying clothes, every brand fits differently. A good dealer will help you, and many of them handle good used bikes on comission. If you want to race, I'm assuming cross country? Buy a hardtail. Learn to ride before you start running downhills and need a high end full suspension beast- don't waste your money on a cheap dualie. (Irulan totally knows what she's talking about.) You need it for shorts and shoes and entry fees. Get good, get sponsered. Besides, there were skilled people riding all sorts of scary stuff before duallies. Good helmets are worth every cent. Wear it.
Magazines will give you some info, but they exist to sell advertising to the products they reveiw, so they never really dis anything.
Almost every Mt bike, even the good ones, has some cheap part that you will need to upgrade. On mine, it had a $5 headset on a $1600 bike. Just remember there will be some extras you'll need in the first six months.
I can't recomend any brands, I haven't bought a hardtail in years and there's been a lot of changes in the business. I've seen some really sweet Gary Fischers, but you'll have to shop. If you go to the races, look at what the women who ride hard are using and ask them about the bikes. So many great brands have gone under or gone to hell lately that a good shop is probably your best guide. Don't buy a bike you think is just butt ugly. You'll be unhappy. You should feel delight in your bike. A good shop will be excited about finding you the perfect race worthy ride, too.
And feel free to bug us with questions. Not all of us are so self absorbed as to hijack your exitement to whine about insurance.
Aunt Lizzy
:D