Safety reminder: victims of felony lane gang today at trailhead

[OakLeaf]

Insurance covered it since he's a photographer

... his insurance covered it because he paid for the business coverage and was able to deduct the premium as a business expense. That brings up an important point - many of us own bicycles worth much more than the included coverage for sporting equipment in our homeowners'/renters' insurance. So read your policy and decide whether it's worth springing for a rider (those can cost 10% of the value of the insured property per year). Comp coverage on my auto policy does NOT cover contents, don't know about anyone else's - that kind of thing varies quite a bit by state and by company.

[Karenanywild]

Just sad that we have to do these things and can't conveniently leave things in our car while we go for a ride. Makes me sad.

[ehirsch83]

... his insurance covered it because he paid for the business coverage and was able to deduct the premium as a business expense. That brings up an important point - many of us own bicycles worth much more than the included coverage for sporting equipment in our homeowners'/renters' insurance. So read your policy and decide whether it's worth springing for a rider (those can cost 10% of the value of the insured property per year). Comp coverage on my auto policy does NOT cover contents, don't know about anyone else's - that kind of thing varies quite a bit by state and by company.

Fully agree here- my DH is an insurance agent and this is one thing thing that he educates fellow cyclists on- along with normal clients on coverage (like homeowners- you would be amazed at how many people are under-insured on the important issues(cost to replace roof) and over insured on items that don't come into play... auto- PIP amounts,etc.

We have all of our cycling equipment on our renters insurance and we still only spend $25 a month for our policy.