Quote Originally Posted by Mr. Silver View Post
Aggie, see if the agent will send you a copy of the agent's manual pertaining to bikes.

I have "enthusiasts coverage" on my Mercedes and this was the only way I could truly understand what the permitted use/coverage was.

For bike coverage, I don't have the concern with theft as much as damage...and I'm assuming that if I wrecked it I could swap the components to a replacement frame to "minimize loss" if I wasn't covered...
There is actually a reason my agent from College Station isn't going to be my agent much longer. They aren't helpful at all! When my husband wrecked our truck in 2007 is was less than $1k from being totalled. My friend worked for Allstate and said the agent she worked for would go to bat for people because that was so close. Our agent wouldn't even help us understand the adjuster's nonsense, we aren't in good hands for sure. Until that wreck is gone (another year) Allstate is cheaper than anyone else and I call every year just to check.